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    <div style="text-align: left; line-height: 12pt; font-family: 'Times New Roman'; font-size: 10pt;">As filed with the Securities and Exchange Commission on December 21<a name="z_GoBack"></a>, 2022&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; Registration No. 333-</div>
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  <div style="text-align: center; line-height: 15.95pt; font-family: 'Times New Roman'; font-size: 14pt; font-weight: bold;">UNITED STATES</div>
  <div style="text-align: center; line-height: 15.95pt; font-family: 'Times New Roman'; font-size: 14pt; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>
  <div style="text-align: center; line-height: 15.95pt; font-family: 'Times New Roman'; font-size: 14pt; font-weight: bold;">WASHINGTON, D.C. 20549</div>
  <div style="text-align: center; line-height: 15.95pt; margin-bottom: 2pt; font-family: 'Times New Roman'; font-size: 14pt; font-weight: bold;">FORM&#160;S-1</div>
  <div style="text-align: center; line-height: 15.95pt; margin-bottom: 2pt; font-family: 'Times New Roman'; font-size: 14pt; font-weight: bold;">REGISTRATION STATEMENT</div>
  <div style="text-align: center; line-height: 12.55pt; font-family: 'Times New Roman'; font-size: 11pt;">UNDER THE SECURITIES ACT OF 1933</div>
  <div style="text-align: center; line-height: 12pt; font-family: 'Times New Roman'; font-size: 14pt; font-weight: bold;">Allianz Life Insurance Company of North America</div>
  <div style="text-align: center; line-height: 12pt; margin-bottom: 6pt; 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; line-height: 11.4pt; font-family: 'Arial Narrow'; font-weight: bold;">Minnesota</div>
          <div style="text-align: center; line-height: 9.1pt; font-family: 'Arial Narrow'; font-size: 8pt;">(State or other jurisdiction of</div>
          <div style="text-align: center; line-height: 9.1pt; font-family: 'Arial Narrow'; font-size: 8pt;">incorporation or organization)</div>
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          <div style="text-align: center; line-height: 11.4pt; font-family: 'Arial Narrow'; font-weight: bold;">6311</div>
          <div style="text-align: center; line-height: 9.1pt; font-family: 'Arial Narrow'; font-size: 8pt;">(Primary Standard Industrial</div>
          <div style="text-align: center; line-height: 9.1pt; font-family: 'Arial Narrow'; font-size: 8pt;">Classification Code Number)</div>
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          <div style="text-align: center; line-height: 11.4pt; font-family: 'Arial Narrow'; font-weight: bold;">41-1366075</div>
          <div style="text-align: center; line-height: 9.1pt; font-family: 'Arial Narrow'; font-size: 8pt;">(I.R.S. Employer</div>
          <div style="text-align: center; line-height: 9.1pt; font-family: 'Arial Narrow'; font-size: 8pt;">Identification No.)</div>
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  <div style="text-align: center; line-height: 12pt; margin-top: 6pt; font-family: 'Times New Roman'; font-size: 10pt;">5701 Golden Hills Drive</div>
  <div style="text-align: center; line-height: 12pt; font-family: 'Times New Roman'; font-size: 10pt;">Minneapolis, MN 55416</div>
  <div style="text-align: center; line-height: 12pt; font-family: 'Times New Roman'; font-size: 10pt;">(800) 950-5872</div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 6pt; font-family: 'Times New Roman'; font-size: 10pt;">(Address, including zip code, and telephone number, including area code, of Registrant&#8217;s principal executive offices)</div>
  <div style="text-align: center; line-height: 12pt; font-family: 'Times New Roman'; font-size: 10pt;">Erik T. Nelson, Esq.</div>
  <div style="text-align: center; line-height: 12pt; font-family: 'Times New Roman'; font-size: 10pt;">Allianz Life Insurance Company of North America</div>
  <div style="text-align: center; line-height: 12pt; font-family: 'Times New Roman'; font-size: 10pt;">5701 Golden Hills Drive</div>
  <div style="text-align: center; line-height: 12pt; font-family: 'Times New Roman'; font-size: 10pt;">Minneapolis, MN 55416</div>
  <div style="text-align: center; line-height: 12pt; font-family: 'Times New Roman'; font-size: 10pt;">(763) 765-7453</div>
  <div style="text-align: center; line-height: 12pt; margin-bottom: 6pt; 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: left; line-height: 12pt; margin-bottom: 6pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-weight: bold;">Approximate date of commencement of proposed sale to the public:</font><br>
    As soon as practicable after this registration statement becomes effective.</div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 6pt; 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; line-height: 12pt; margin-bottom: 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; line-height: 12pt;"><font style="font-family: 'Times New Roman'; font-size: 10pt;">Large accelerated filer</font><font style="text-indent: 0px; font-size: 5.14pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#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;&#160; ]<font style="text-indent: 0px; font-size: 5.14pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#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>Accelerated filer<font style="text-indent: 0px; font-size: 5.14pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#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; line-height: 12pt;"><font style="font-family: 'Times New Roman'; font-size: 10pt;">Non-accelerated filer</font><font style="text-indent: 0px; font-size: 5.14pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#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 style="text-indent: 0px; font-size: 5.14pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#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>Smaller reporting company&#160;&#160; [&#160;&#160; ]</font></div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 12pt; font-family: 'Times New Roman'; font-size: 10pt;">(Do not check if a smaller reporting company)</div>
  <div style="line-height: 12pt; margin-bottom: 6pt;"><br style="line-height: 12pt;">
  </div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 6pt; 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; line-height: 12pt; margin-top: 6pt; margin-bottom: 6pt; font-family: Arial; font-size: 10pt;">PART I &#8211; PROSPECTUS</div>
  <div style="text-align: left; line-height: 12pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt;">
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      <div> <a name="xx_fa8128e1-b7b3-4b1f-acc4-4ee90f505f5d_1"></a>
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            <div style="line-height:13.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0%;text-transform:uppercase;">ALLIANZ Index Advantage+ NF</font><font style="color:#000000;font-family:Arial;font-size:7pt;font-weight:bold;position:relative;text-transform:uppercase;top:-4.75pt;">SM</font><font style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;text-transform:uppercase;">
                VARIABLE ANNUITY CONTRACT</font><font style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;line-height:13pt;"> </font></div>
            <div style="line-height:12.0pt;margin-top:4.5pt;text-align:center;"><font style="color: #000000; font-family: Arial Narrow; margin-left: 0%;">Issued by Allianz Life Variable Account B and Allianz Life Insurance Company of North America (Allianz
                Life, we, us, our)</font><font style="color:#000000;font-family:Arial Narrow;font-size:1pt;">&#8195;</font></div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="zb1608905369541a8a1caa5c0fd86bb56">

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                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">The information in this prospectus
                            is not complete and may be changed. We cannot sell Allianz Index Advantage+ </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">NF</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;"> Variable Annuity pursuant to this prospectus until the Registration Statement containing this prospectus filed </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">with the Securities and Exchange
                            Commission is effective. This prospectus is not an offer to sell the Contract and is </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">not soliciting an offer to buy the
                            Contract in any state where the offer or sale is not permitted.</font></div>
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            <div style="line-height: 12.0pt; margin-top: 9pt;"><font style="color: #000000; font-family: Times New Roman;">The variable annuity described in this prospectus is an individual flexible purchase payment index-linked variable deferred annuity
                contract (Contract). This prospectus describes the Contract between you, the Owner, and Allianz Life.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">The Contract allows you to allocate your money (Purchase Payments) and any earnings among the Contract&#8217;s investment options, which
                currently include index-linked investment options (Index Options). The Contract also includes the AZL Government Money Market Fund, but you cannot allocate Purchase Payments to this fund.</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Options.</font><font style="color: #000000; font-family: Times New Roman;"> Each Index Option is tied (or linked) to the performance of a specific market Index for a defined time period (Term). Each Index Option has a downside feature that provides limited protection against any negative Index rate of
                    return (Index Return) that may be credited to your investment for a Term. Limited protection from negative Index Returns is provided by the Buffer for Index Precision Strategy and Index Performance Strategy, and by the Floor for the
                    Index Guard Strategy. The Index Protection Strategy with Trigger provides 100% protection against negative Index Returns. Each Index Option also has an upside feature that puts an upper limit on positive Index Return that may be
                    credited for a Term. The upper limit on positive Index Return is provided by the Cap for Index Performance Strategy&#160;and Index Guard Strategy;&#160;and the Trigger Rate for Index Precision Strategy and Index Protection Strategy with Trigger.
                    Multi-year Term Index Options also have a Participation Rate that may allow you receive more than the positive Index Return.</font></div>
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              <div style="clear:both;position:relative;"> </div>
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              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">AZL Government Money Market Fund.</font><font style="color: #000000; font-family: Times New Roman;"> The sole purpose of the AZL Government Money Market Fund is to hold Purchase Payments until they are transferred to the Index Options. The AZL Government Money Market Fund performance is based on the
                    securities in which it invests.</font></div>
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              <div style="clear:both;position:relative;"> </div>
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            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">We expect to add Index Options from time to time. We currently offer the following Index Options: Index Protection Strategy with
                Trigger 1-year Term with 0.10% minimum Trigger Rate; Index Precision Strategy 1-year Term with 10% Buffer and 0.10% minimum Trigger Rate; Index Guard Strategy 1-year Term with -10% Floor and 0.10% minimum Cap; Index Performance Strategy
                1-year Term with 10% Buffer and 0.10% minimum Cap; Index Performance Strategy 3-year Term with 10% or 20% Buffer, 2% minimum Cap, and 100% minimum Participation Rate; and Index Performance Strategy 6-year Term with 10% Buffer, 5% minimum
                Cap, and 100% minimum Participation Rate.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index-linked and variable annuity contracts are complex insurance and investment vehicles. You may lose money,
                including your principal investment and previously credited earnings. Contract fees and expenses could cause your losses to be greater than the downside protection of the Index Options. Your losses may be significant.</font><font style="color: #000000; font-family: Times New Roman;"> Before you invest, be sure to ask your Financial Professional 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. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">The Contract&#8217;s risks are
                described in Risk Factors on page 18 of this prospectus.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Before the end of an Index Option&#8217;s Term, if you take any type of withdrawal, execute the Performance Lock
                feature, begin Annuity Payments, or if we pay a death benefit or deduct a fee or expense, we base the transaction on the interim value of your Index Option investment, which includes the Daily Adjustment. The Daily Adjustment fluctuates
                daily. With the Index Precision Strategy, Index Guard Strategy, or Index Performance Strategy the Daily Adjustment can be positive or negative. However, with the Index Protection Strategy with Trigger the Daily Adjustment cannot be
                negative. The Daily Adjustment could reflect significantly less gain, or more loss than we would apply to an Index Option at the end of a Term. If you select multiple multi-year Term Index Options, there may be no time that any such
                transaction can be performed without the application of at least one Daily Adjustment.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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 will be subject to withdrawal charges, will reduce the Contract Value, Cash Value, and Guaranteed Death Benefit Value (perhaps significantly), and may be subject to federal and state income
                taxes (including a 10% additional federal tax). </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">A six-year withdrawal charge period applies to the initial and any additional </font></div>
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          <div style="float:left;margin-left:50pt;margin-top:10pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
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          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;1&#8201;</font></div>
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      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
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      <div> <a name="xx_fa8128e1-b7b3-4b1f-acc4-4ee90f505f5d_2"></a>
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            <div style="line-height: 12.0pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Purchase Payment.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;"> Please consult with your Financial Professional before requesting us to pay financial adviser fees from this Contract rather than from other assets you may
                have.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">All guarantees under the Contract, including index-linked returns (Performance Credits), are
                the obligations of Allianz Life and are subject to our claims-paying ability and financial strength.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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 that you ought to know before investing&#160;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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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. In some states, this cancellation period may be longer. Upon cancellation, you will receive either a full refund of the amount you paid with your application or your total Contract Value. If you have an Individual Retirement
                Annuity Contract, we refund the greater of Purchase Payments less withdrawals, or total Contract Value. You should review this prospectus, or consult with your Financial Professional, for additional information about the specific
                cancellation terms that apply.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">This prospectus is not intended to constitute a suitability recommendation or fiduciary advice.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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><font style="color: #0000FF; font-family: Times New Roman;">investor.gov</font><font style="color: #000000; font-family: Times New Roman;">.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">Dated: May 1, 2023</font></div>
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          <div style="float:left;margin-left:50pt;margin-top:10pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
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          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
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      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
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      <div> <a name="xx_db721233-8eaf-4378-aeab-01a199f2f7c5_va-toc_1"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:10pt;">
            <div style="line-height: 11.0pt;"><font style="color:#000000;font-family:Arial;font-size:11pt;line-height:11pt;">TABLE OF CONTENTS</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:10pt;width:234pt;min-height:650pt;">
            <div style="line-height: 0.0pt; margin-top: 1pt;"><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="empty-cells:show;width:234pt;" id="z263a3f0b0843405aa79fd6166d507efb">

                  <tr style="height:13pt;">
                    <td style="vertical-align:Top;width:220.32pt;" colspan="2">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> <a href="#xx_82dcf50f-aae8-467d-86b9-a80a8a1a4951_1">Glossary</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">5</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:27pt;">
                    <td style="background-color:azure;vertical-align:Top;width:220.32pt;" colspan="2">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> <a href="#xx_5065d72b-31f5-4c94-9e71-3fc884c1b76a_1">Important Information You Should
                              Consider About the </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:10pt;"> <a href="#xx_5065d72b-31f5-4c94-9e71-3fc884c1b76a_1">Contract</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">10</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:16pt;">
                    <td style="vertical-align:Top;width:220.32pt;" colspan="2">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_1">Overview of the Contract</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">14</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_1">What Is the Purpose of the Contract?</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">14</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_2">What Are the Phases of the Contract?</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">15</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_3">What Are the Contract&#8217;s Primary
                              Features?</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">16</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                    </td>
                  </tr>
                  <tr style="height:16pt;">
                    <td style="vertical-align:Top;width:220.32pt;" colspan="2">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_4">Fee Tables</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">17</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_4">Transaction Expenses</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">17</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_5">Annual Contract Expenses</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">18</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:24pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_5">Annual Expenses of the AZL Government Money </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_5">Market Fund</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">18</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_5">Example</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">18</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:16pt;">
                    <td style="background-color:azure;vertical-align:Top;width:220.32pt;" colspan="2">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_5">Risk Factors</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">18</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_5">Liquidity Risks</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">18</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_6">Risks of Investing in Securities</a></font></div>
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                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">19</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_8">Risk of Negative Returns</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">21</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:24pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_9">Risks Associated with Calculation of Performance </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_9">Credits</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">22</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:24pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
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                    <td style="vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_9">Risks Associated with Performance Locks and Early </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_9">Reallocations</a></font></div>
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                    </td>
                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">22</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                    </td>
                  </tr>
                  <tr style="height:24pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
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                    <td style="background-color:azure;vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_10">Substitution of an Index&#160;and Limitation on Further </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_10">Investments</a></font></div>
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                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">23</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                    </td>
                  </tr>
                  <tr style="height:24pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
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                    <td style="vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_11">Changes to&#160;Trigger Rates, Caps, and Participation </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_11">Rates</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">24</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
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                    <td style="background-color:azure;vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_12">Investment in Derivative Hedging Instruments</a></font></div>
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                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">25</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:24pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
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                    <td style="vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_12">Risks of Deducting Financial Adviser Fees from the </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_12">Contract</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">25</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_12">Our Financial Strength and Claims-Paying Ability</a></font></div>
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                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">25</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_13">Regulatory Protections</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">26</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                    </td>
                  </tr>
                  <tr style="height:16pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">1.</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_13">The Contract</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">26</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_14">When the Accumulation Phase Ends</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">27</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_14">Financial Adviser Fees</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">27</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_15">When the Contract Ends</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">28</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:27pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">2.</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_16">Ownership, Annuitant, Determining
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                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:10pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_16">Beneficiary, and Payee</a></font></div>
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                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">29</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
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                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_16">Owner</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">29</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_16">Joint Owner</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">29</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_16">Annuitant</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">29</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_16">Determining Life (Lives)</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">29</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_17">Beneficiary</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">30</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_17">Payee</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">30</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:21pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_17">Assignments, Changes of Ownership and Other </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_17">Transfers of Contract Rights</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">30</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
          </div>
          <div style="float:left;margin-left:26pt;margin-top:10pt;width:234pt;min-height:650pt;">
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="empty-cells:show;width:234pt;" id="zb6d01dd078264aefa25603f24670870a">

                  <tr style="height:13pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">3.</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_17">Purchasing the Contract</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">30</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
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                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_17">Purchase Requirements</a></font></div>
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                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">30</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
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                      <div style="line-height:11pt;text-align:left;">
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                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">31</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                  <tr style="height:24pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
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                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
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                    <td style="background-color:azure;vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_18">Allocation of Purchase Payments and Contract Value </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_18">Transfers</a></font></div>
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                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">31</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
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                    <td style="vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
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                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">33</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                  <tr style="height:13pt;">
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                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
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                      <div style="line-height:11pt;text-align:left;">
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                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">33</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                  <tr style="height:16pt;">
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                    <td style="vertical-align:Top;width:199.32pt;">
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                    <td style="vertical-align:Bottom;width:13.68pt;">
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                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">34</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
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                    <td style="background-color:azure;vertical-align:Top;width:199.32pt;">
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                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">34</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                  <tr style="height:13pt;">
                    <td style="vertical-align:Top;width:21pt;">
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                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">35</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                  </tr>
                  <tr style="height:13pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
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                    <td style="background-color:azure;vertical-align:Top;width:199.32pt;">
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                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">36</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                  <tr style="height:13pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
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                    <td style="vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_25">Bar Chart Examples of Crediting Method Performance</a></font></div>
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                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">38</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">42</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                  </tr>
                  <tr style="height:13pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
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                      <div style="line-height:11pt;text-align:left;">
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                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">44</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
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                    <td style="background-color:azure;vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_32">Daily Adjustment</a></font></div>
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                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">45</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_33">Performance Locks and Early Reallocations</a></font></div>
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                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">46</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                    </td>
                  </tr>
                  <tr style="height:16pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">5.</font></div>
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                    <td style="background-color:azure;vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_34">AZL Government Money Market Fund</a></font></div>
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                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">47</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
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                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
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                    <td style="vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_35">Substitution and Limitation on Holdings</a></font></div>
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                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">48</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
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                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_35">Excessive Trading and Market Timing</a></font></div>
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                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">48</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
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                    <td style="vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_37">Voting Privileges</a></font></div>
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                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">50</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                    </td>
                  </tr>
                  <tr style="height:16pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
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                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">6.</font></div>
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                    <td style="background-color:azure;vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_37">Expenses</a></font></div>
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                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">50</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
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                  </tr>
                  <tr style="height:13pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
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                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">51</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                  </tr>
                  <tr style="height:24pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
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                    <td style="background-color:azure;vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_39">Contract Maintenance Charge (Administrative </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_39">Expenses)</a></font></div>
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                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">52</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                  <tr style="height:13pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
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                    <td style="vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_39">Withdrawal Charge</a></font></div>
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                    </td>
                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">52</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                  </tr>
                  <tr style="height:13pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
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                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_41">Daily Adjustment Maximum Potential Loss</a></font></div>
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                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">54</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                  </tr>
                  <tr style="height:13pt;">
                    <td style="vertical-align:Top;width:21pt;">
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                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
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                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_41">Premium Tax</a></font></div>
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                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">54</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                  <tr style="height:13pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
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                    <td style="background-color:azure;vertical-align:Top;width:199.32pt;">
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                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_41">Income Tax</a></font></div>
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                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">54</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                  </tr>
                  <tr style="height:13pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
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                    <td style="vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_41">AZL Government Money Market Fund Expenses</a></font></div>
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                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">54</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                  </tr>
                  <tr style="height:16pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">7.</font></div>
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                    <td style="background-color:azure;vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_42">Access to Your Money</a></font></div>
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                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">55</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
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                  </tr>
                  <tr style="height:13pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
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                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_43">Free Withdrawal Privilege</a></font></div>
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                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">56</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                  </tr>
                  <tr style="height:24pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
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                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
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                    <td style="background-color:azure;vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_43">Minimum Distribution Program and Required Minimum </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_43">Distribution (RMD) Payments</a></font></div>
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                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">56</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
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                    <td style="vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_43">Waiver of Withdrawal Charge Benefit</a></font></div>
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                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">56</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                  <tr style="height:13pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
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                    <td style="background-color:azure;vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_44">Suspension of Payments or Transfers</a></font></div>
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                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">57</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                  <tr style="height:16pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">8.</font></div>
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                    <td style="vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_44">The Annuity Phase</a></font></div>
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                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">57</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
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                  </tr>
                  <tr style="height:13pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
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                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
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                    <td style="background-color:azure;vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_44">Calculating Your Annuity Payments</a></font></div>
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                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">57</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
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                    <td style="vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_44">Annuity Payment Options</a></font></div>
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                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">57</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
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                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
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                    <td style="background-color:azure;vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_45">When Annuity Payments Begin</a></font></div>
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                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">58</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                  </tr>
                  <tr style="height:16pt;">
                    <td style="vertical-align:Top;width:21pt;">
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                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">9.</font></div>
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                    <td style="vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> <a href="#xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_1">Benefits Available Under the Contract</a></font></div>
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                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">59</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
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                  </tr>
                  <tr style="height:16pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">10.</font></div>
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                    <td style="background-color:azure;vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> <a href="#xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_4">Death Benefit</a></font></div>
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                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">62</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
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                  <tr style="height:13pt;">
                    <td style="vertical-align:Top;width:21pt;">
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                    <td style="vertical-align:Top;width:199.32pt;">
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                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_5">Maximum Anniversary Value</a></font></div>
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                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">63</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                  <tr style="height:13pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
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                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
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                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
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                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_7">Death Benefit Payment Options</a></font></div>
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                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
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                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">65</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">66</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
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                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">66</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                  <tr style="height:13pt;">
                    <td style="vertical-align:Top;width:21pt;">
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                    <td style="vertical-align:Bottom;width:13.68pt;">
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                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">66</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">67</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">67</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">68</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">69</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">69</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">69</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_18">Directors, Executive Officers and Corporate </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"> <a href="#xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_18">Governance</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">76</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_23">Executive Compensation</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">81</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:24pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_33">Security Ownership of Certain Beneficial Owners and </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"> <a href="#xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_33">Management</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">91</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:24pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_33">Transactions with Related Persons, Promoters and </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"> <a href="#xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_33">Certain Control Persons</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">91</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:24pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_34">Business and Operational Risks Relevant to the </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"> <a href="#xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_34">Contract</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">92</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:16pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">14.</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> <a href="#xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_41">Financial Statements</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">99</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:16pt;">
                    <td style="background-color:azure;vertical-align:Top;width:220.32pt;" colspan="2">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> <a href="#xx_9c8df33d-616e-4f43-b549-b970b7b9b7d4_1">Appendix A &#8211; Available Indexes</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">100</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_9c8df33d-616e-4f43-b549-b970b7b9b7d4_1">S&amp;P 500</a></font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;"> <a href="#xx_9c8df33d-616e-4f43-b549-b970b7b9b7d4_1">&#174;</a></font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_9c8df33d-616e-4f43-b549-b970b7b9b7d4_1"> Index</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">100</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_9c8df33d-616e-4f43-b549-b970b7b9b7d4_1">Russell 2000</a></font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;"> <a href="#xx_9c8df33d-616e-4f43-b549-b970b7b9b7d4_1">&#174;</a></font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_9c8df33d-616e-4f43-b549-b970b7b9b7d4_1"> Index</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">100</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_9c8df33d-616e-4f43-b549-b970b7b9b7d4_2">Nasdaq-100</a></font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;"> <a href="#xx_9c8df33d-616e-4f43-b549-b970b7b9b7d4_2">&#174;</a></font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_9c8df33d-616e-4f43-b549-b970b7b9b7d4_2"> Index</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">101</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_9c8df33d-616e-4f43-b549-b970b7b9b7d4_2">EURO STOXX 50</a></font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;"> <a href="#xx_9c8df33d-616e-4f43-b549-b970b7b9b7d4_2">&#174;</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">101</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;text-transform:lowercase;"> <a href="#xx_9c8df33d-616e-4f43-b549-b970b7b9b7d4_3">i</a></font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;text-transform:uppercase;"> <a href="#xx_9c8df33d-616e-4f43-b549-b970b7b9b7d4_3">Shares</a></font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;text-transform:uppercase;top:-4.25pt;"> <a href="#xx_9c8df33d-616e-4f43-b549-b970b7b9b7d4_3">&#174;</a></font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;text-transform:uppercase;"> <a href="#xx_9c8df33d-616e-4f43-b549-b970b7b9b7d4_3"> MSCI Emerging Markets ETF</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">102</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:16pt;">
                    <td style="background-color:azure;vertical-align:Top;width:220.32pt;" colspan="2">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> <a href="#xx_b77b10f9-2148-4643-aa3e-4e87f280361e_1">Appendix B &#8211; Daily Adjustment</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">103</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:16pt;">
                    <td style="vertical-align:Top;width:220.32pt;" colspan="2">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> <a href="#xx_540773e1-e53c-4504-9c04-dfad0b25e44f_1">Appendix C &#8211; Rider Fee Calculation
                              Example</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">105</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:16pt;">
                    <td style="background-color:azure;vertical-align:Top;width:220.32pt;" colspan="2">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> <a href="#xx_9bd50f07-8a32-4996-ac2d-679ff8da80df_1">Appendix D &#8211; Material Contract
                              Variations by State</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">106</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:199.32pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_9bd50f07-8a32-4996-ac2d-679ff8da80df_1">Material State Contract Variations</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">106</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:27pt;">
                    <td style="background-color:azure;vertical-align:Top;width:220.32pt;" colspan="2">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> <a href="#xx_aa5754eb-3d25-4542-9841-c0debd35ea74_1">Appendix E &#8211; Variable Investment Option
                              Under the </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:10pt;"> <a href="#xx_aa5754eb-3d25-4542-9841-c0debd35ea74_1">Contract</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">107</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:27pt;">
                    <td style="vertical-align:Top;width:220.32pt;" colspan="2">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> <a href="#xx_2d304dcb-58b1-4c46-8e48-7210a909bcff_1">Appendix F &#8211; Audited Selected Financial
                              Data and </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:10pt;"> <a href="#xx_2d304dcb-58b1-4c46-8e48-7210a909bcff_1">Statutory Financial Statements</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">108</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
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                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
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                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_2d304dcb-58b1-4c46-8e48-7210a909bcff_1">Management&#8217;s Discussion and Analysis of Financial </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"> <a href="#xx_2d304dcb-58b1-4c46-8e48-7210a909bcff_1">Condition and Results of Operations (For the 12 </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"> <a href="#xx_2d304dcb-58b1-4c46-8e48-7210a909bcff_1">month period ending December 31, 2022)</a></font></div>
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                    <td style="background-color:azure;vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">108</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
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                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_2d304dcb-58b1-4c46-8e48-7210a909bcff_1">Statutory Financial Statements</a></font></div>
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                    <td style="vertical-align:Bottom;width:13.68pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">108</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> <a href="#xx_cc71d326-8f53-409a-b0f3-29b41c4f1fa3_1">For Service or More Information</a></font></div>
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                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">109</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
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                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
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                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> <a href="#xx_cc71d326-8f53-409a-b0f3-29b41c4f1fa3_1">Our Service Center</a></font></div>
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                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">109</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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          <div style="float:left;margin-left:50pt;margin-top:215pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
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          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;4&#8201;</font></div>
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      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_82dcf50f-aae8-467d-86b9-a80a8a1a4951_1"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 13.0pt;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 0pt; top: -2pt; width: 494pt;"><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Glossary</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Accumulation Phase</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the first phase of your
                Contract before you request Annuity Payments. The Accumulation Phase begins on the Issue Date.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Annuitant</font><font style="color: #000000; font-family: Times New Roman;"> &#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="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Annuity Date</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the date we begin making
                Annuity Payments to the Payee from the Contract. Your Annuity Date must occur on an Index Anniversary. The earliest available Annuity Date is the&#160;second Index Anniversary, and the latest possible Annuity Date is age 100.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Annuity Options</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the annuity income options
                available to you under the Contract.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Annuity Payments</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; payments made by us to the
                Payee pursuant to the chosen Annuity Option.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Annuity Phase</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the phase the Contract is in
                once Annuity Payments begin.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Beneficiary</font><font style="color: #000000; font-family: Times New Roman;"> &#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="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Buffer</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; for each Index Option&#160;with the Index
                Precision Strategy and Index Performance Strategy, this is the negative Index Return that we absorb over the duration of a Term (which can be either one, three, or six years) before applying a negative Performance Credit. We do </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">not</font><font style="color: #000000; font-family: Times New Roman;"> apply the Buffer annually on a 3-year or&#160;6-year Term Index Option.
                The Index Precision Strategy Buffers are 10%, and Index Performance Strategy Buffers are either 10% or 20%. Buffers do not change.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Business Day</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; each day on which the New York
                Stock Exchange is open for trading. Allianz Life 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="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Cap</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; for any Index Option with the Index
                Performance Strategy, or Index Guard Strategy, this is the upper limit on positive Index performance after application of any Participation Rate over the duration of a Term (which can be either one,&#160;three, or six years) and the maximum
                potential Performance Credit for an Index Option. We do </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">not</font><font style="color: #000000; font-family: Times New Roman;">
                apply the Cap annually on a 3-year or&#160;6-year Term Index Option. On each Term Start Date, we set a Cap for each Index Option with the Index Performance Strategy, and Index Guard Strategy. The Caps applicable to your Contract are shown on the
                Index Options Statement.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Cash Value</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the amount available upon
                liquidation (full withdrawal). It is the Contract Value less any final rider fee, contract maintenance charge, and withdrawal charge.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Charge Base</font><font style="color: #000000; font-family: Times New Roman;"> &#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 rider fee we deduct if you select the Maximum Anniversary Value Death Benefit.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Contract</font><font style="color: #000000; font-family: Times New Roman;"> &#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="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Contract Anniversary</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; a twelve-month
                anniversary of the Issue Date or any subsequent Contract Anniversary.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Contract Value</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the current value of the
                Purchase Payments you invest. On any Business Day, your Contract Value is the sum of your Index Option Value(s) and Variable Account Value. Variable Account Value fluctuates each Business Day that money is held in the AZL Government Money
                Market Fund. Index Option Value is increased or decreased on each Term End Date to reflect Performance Credits, which can be negative&#160;with the Index Precision Strategy, Index Guard Strategy, and Index Performance Strategy. </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">A negative Performance Credit means that you can lose principal and previous earnings.</font><font style="color: #000000; font-family: Times New Roman;"> The Index
                Option Values also reflect the Daily Adjustment on every Business Day other than the Term </font></div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;5&#8201;</font></div>
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      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_82dcf50f-aae8-467d-86b9-a80a8a1a4951_2"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-family: Times New Roman;">Start Date or Term End Date. 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. The Cash Value reflects&#160;all Contract fees and expenses&#160;we would apply on liquidation (including any withdrawal charge).</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Contract Year</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; any period of twelve months
                beginning on the Issue Date or a subsequent Contract Anniversary.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Crediting Method</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; a method we use to
                calculate Performance Credits for the Index Options.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Daily Adjustment</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; how we calculate Index
                Option Values on days other than the Term Start Date or Term End Date as discussed in 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 Term End Date. It is the estimated present value of the future Performance Credit that we will apply on the Term End Date. The Daily Adjustment for the Index Protection Strategy with Trigger cannot be negative.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Determining Life (Lives)</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the person(s)
                designated at Contract issue and named in the Contract on whose life we base the guaranteed Traditional Death Benefit&#160;or Maximum Anniversary Value Death Benefit.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Early Reallocation</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; a feature that allows you
                to move assets out of a locked Index Option on days other than an Index Anniversary or a Term End Date.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Financial Professional</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the person who advises
                you regarding the Contract.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Floor</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; for any Index Option with the Index
                Guard Strategy, this is the maximum amount of negative Index Return you absorb as a negative Performance Credit. The Floors are -10% and do not change.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Good Order</font><font style="color: #000000; font-family: Times New Roman;"> &#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="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Guaranteed Death Benefit Value</font><font style="color: #000000; font-family: Times New Roman;"> &#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 either total Purchase Payments reduced proportionately for withdrawals you take
                (including any withdrawal charge) if you select the Traditional Death Benefit, or the Maximum Anniversary Value if you select the Maximum Anniversary Value Death Benefit. 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. These
                deductions will, however, reduce the Contract Value we use to calculate the Maximum Anniversary Value.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index (Indexes)</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; one (or more) of the
                nationally recognized third-party broad based equity securities price return Indexes or exchange-traded fund available to you under your Contract as described in Appendix A.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Anniversary</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; a twelve-month anniversary
                of the Index Effective Date or any subsequent Index Anniversary.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Effective Date</font><font style="color: #000000; font-family: Times New Roman;"> &#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="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Guard Strategy</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; one of the Crediting
                Methods described in section 4, Valuing Your Contract. The Index Guard Strategy calculates Performance Credits based on Index Returns subject to a Cap and -10% Floor. You can receive negative Performance Credits under this Crediting Method,
                which means you can lose principal and previous earnings. The Index Guard Strategy is more sensitive to smaller negative market movements that persist over time because the -10% Floor reduces the impact of large negative market movements.
                In an extended period of smaller negative market returns, the risk of loss is greater with the Index Guard Strategy than with the Index Performance Strategy and Index Precision Strategy.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Option</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the index-linked investments
                available to you under the Contract. Each Index Option is the combination of an Index, a Crediting Method, a Term length, and any applicable Buffer or Floor amount.</font></div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;6&#8201;</font></div>
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            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Option Base</font><font style="color: #000000; font-family: Times New Roman;"> &#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&#160;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="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Option Value</font><font style="color: #000000; font-family: Times New Roman;"> &#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 Term End Dates and
                reflects proportional reductions for previous partial withdrawals you take&#160;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, other than the Term Start Date or Term End Date, the Index Option Values also include an increase/decrease from the Daily Adjustment.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Options Statement</font><font style="color: #000000; font-family: Times New Roman;"> &#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, Trigger Rates, Caps, and Participation Rates for the Index Options you
                selected. On each Index Anniversary, the statement shows the new Index Values, Performance Credits received, and renewal Trigger Rates, Caps, and Participation Rates that are effective for the next Term for the Index Options you selected
                that have reached their Term End Date. The Index Options Statement also shows any applicable&#160;Buffer or Floor for your selected Index Option(s). For any Index Option you selected that has not reached its Term End Date the statement shows the
                current Index Anniversary&#8217;s Index Option Value, which includes the Daily Adjustment.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Performance Strategy</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; one of the
                Crediting Methods described in section 4, Valuing Your Contract. This Crediting Method offers 1-year, 3-year, and 6-year Terms. The Index Performance Strategy calculates Performance Credits based on Index Returns subject to any applicable
                Participation Rate, Cap, and a 10% or 20% Buffer. You can receive negative Performance Credits under this Crediting Method, which means you can lose principal and previous earnings. The Index Performance Strategy is more sensitive to large
                negative market movements because small negative market movements are absorbed by the 10% or 20% Buffer. In a period of extreme negative market performance, the risk of loss is greater with the Index Performance Strategy than with the Index
                Guard Strategy.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Precision Strategy</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; one of the
                Crediting Methods described in section 4, Valuing Your Contract. The Index Precision Strategy calculates Performance Credits based on Index Values and Index Returns subject to the Trigger Rate and 10% Buffer. You can receive negative
                Performance Credits under this Crediting Method, which means you can lose principal and previous earnings. The Index Precision Strategy may perform best in periods of small positive market movements because the Trigger Rates will generally
                be greater than the Index Protection Strategy Trigger Rates, but less than the Index Performance Strategy Caps. The Index Precision Strategy is 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 Precision Strategy than with the Index Guard Strategy.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Protection Strategy with Trigger</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; one
                of the Crediting Methods described in section 4, Valuing Your Contract. The Index Protection Strategy with Trigger provides Performance Credits equal to the Trigger Rate on the Term End Date if the current Index Value is equal to or greater
                than the Index Value on the Term Start Date. The Index Protection Strategy with Trigger does not allow negative Performance Credits, and offers the least growth opportunity as Trigger Rates will generally be less than Caps, and the Trigger
                Rates available with the Index Precision Strategy.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Return</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the percentage change in Index
                Value from the Term Start Date to the Term End Date, which we use to determine the Performance Credits. The Index Return is the Index Value on the Term End Date, minus the Index Value on the Term Start Date, divided by the Index Value on
                the Term Start Date.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Value</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; an Index&#8217;s closing market price
                at the end of the Business Day on the Term Start Date and Term End Date as provided by Bloomberg or another market source if Bloomberg is not available.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Year</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; a twelve-month period beginning
                on the Index Effective Date or a subsequent Index Anniversary.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Issue Date</font><font style="color: #000000; font-family: Times New Roman;"> &#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="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Joint Owners</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the two person(s) designated
                at Contract issue and named in the Contract who may exercise all rights granted by the Contract. Joint Owners must be spouses within the meaning of federal tax law.</font></div>
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              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
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            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;7&#8201;</font></div>
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            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Lock Date</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; this is the Business Day we execute
                a Performance Lock and capture an Index Option Value (which </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">includes</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font><font style="color: #000000; font-family: Times New Roman;">the Daily Adjustment) before the Term End Date.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Maximum Anniversary Value</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the highest
                Contract Value on any Index Anniversary before age 91, increased by the dollar amount of subsequent Purchase Payments, and reduced proportionately for subsequent withdrawals you take (including any withdrawal charge), used to determine the
                Maximum Anniversary Value Death Benefit as discussed in section 10. All withdrawals you take reduce your Maximum Anniversary Value, even Penalty-Free Withdrawals, and any financial adviser fees that you choose to have us pay from this
                Contract. Deductions we make for Contract fees and expenses other than the withdrawal charge do not reduce the Maximum Anniversary Value. These deductions will, however, reduce the Contract Value we use to calculate the Maximum Anniversary
                Value.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Maximum Anniversary Value Death Benefit</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; an
                optional benefit described in section 10 that has an additional rider fee and is intended to potentially provide a death benefit greater than the Traditional Death Benefit. The Maximum Anniversary Value Death Benefit can only be added to a
                Contract at issue.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Non-Qualified Contract</font><font style="color: #000000; font-family: Times New Roman;"> &#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="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Owner</font><font style="color: #000000; font-family: Times New Roman;"> &#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="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Participation Rate</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; may allow you to receive
                more than the Index Return if the Index Return is positive, but the Participation Rate cannot boost Index Returns beyond any declared Cap. We do </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">not</font><font style="color: #000000; font-family: Times New Roman;"> apply the Participation Rate if the Index Return is zero or negative. We do </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">not</font><font style="color: #000000; font-family: Times New Roman;"> apply the Participation Rate annually. The Participation Rate is only available on the Index Performance Strategy
                3-year and 6-year Terms. The Participation Rate is not available on Index Performance Strategy 1-year Terms. We set Participation Rates on each Term Start Date. The Participation Rates applicable to your Contract are shown on the Index
                Options Statement.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Payee</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the person or entity who receives
                Annuity Payments during the Annuity Phase.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Performance Credit</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the return you receive on
                a Term End Date from the Index Options.&#160;We base Performance Credits on Index Values and Index Returns after application of any Participation Rate up to the Cap if returns are positive, or after application of any Trigger Rate if returns are
                flat or positive, or after application of any Buffer or Floor if returns are negative.&#160;Performance Credits cannot be negative with the Index Protection Strategy with Trigger Index Options.</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; line-height: 12pt;"> </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">However, Performance Credits&#160;</font><font style="color: #000000; font-family: Times New Roman;">can
                be negative with the Index Precision Strategy, Index Guard Strategy, and Index Performance Strategy Index Options.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;"> If Performance Credits are negative,</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">you can lose principal and previous earnings.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Penalty-Free Withdrawals</font><font style="color: #000000; font-family: Times New Roman;"> &#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="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Performance Lock</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; a feature that allows you to
                capture the current Index Option Value during the Term. 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 locked Index Option Value will not receive a Performance Credit. We will not execute a Performance Lock on Index Protection Strategy with Trigger Index Options if the Daily
                Adjustment is zero.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Proxy Investment</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; provides a current estimate
                of what the Performance Credit will be on the Term End Date taking into account any applicable Buffer, Floor, Trigger Rate, Cap, and/or Participation Rate. We use the Proxy Investment to calculate the Daily Adjustment on Business Days other
                than the Term Start Date or Term End Date. For more information, see Appendix B.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Proxy Value</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the hypothetical value of the
                Proxy Investment used to calculate the Daily Adjustment as discussed in Appendix B.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Purchase Payment</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the money you put into the
                Contract.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Qualified Contract</font><font style="color: #000000; font-family: Times New Roman;"> &#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.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
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              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
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            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Quarterly Contract Anniversary</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the day that
                occurs three calendar months after the Issue Date or any subsequent Quarterly Contract Anniversary.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Separate Account</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; Allianz Life Variable
                Account B is the Separate Account that issues the variable investment portion of your Contract. It is a separate investment account of Allianz Life. The Separate Account holds the shares of the AZL Government Money Market Fund subaccount
                that underlies the Contracts. The Separate Account is divided into subaccounts, each of which invests exclusively in a variable investment option. The only currently available variable investment option is the AZL Government Money Market
                Fund. 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="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Service Center</font><font style="color: #000000; font-family: Times New Roman;"> &#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="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Term </font><font style="color: #000000; font-family: Times New Roman;">&#8211; The period of time, from the Term Start
                Date to the Term End Date, in which we measure Index Return to determine Performance Credits.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Term End Date &#8211; </font><font style="color: #000000; font-family: Times New Roman;">The day on which a Term ends
                and we apply Performance Credits. A Term End Date may only occur on an Index Anniversary. If a Term End Date does not occur on a Business Day, we consider it to occur on the next Business Day.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Term Start Date &#8211; </font><font style="color: #000000; font-family: Times New Roman;">The day on which a Term
                begins and we set the Trigger Rates, Caps, and Participation Rates for an Index Option. A Term Start Date may only occur on the Index Effective Date or an Index Anniversary. If a Term Start Date does not occur on a Business Day, we consider
                it to occur on the next Business Day. However, if you execute a Performance Lock and then request an Early Reallocation, the Term Start Date will be the Business Day we receive your Early Reallocation request in Good Order.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Traditional Death Benefit</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the guaranteed
                death benefit automatically provided by the Contract for no additional fee described in section 10.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Trigger Rate</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the positive Performance Credit
                you receive on a Term End Date if Index performance is zero or positive for any Index Option with the Index Protection Strategy with Trigger, or Index Precision Strategy. You receive a Performance Credit equal to the Trigger Rate on the
                Term End Date if the current Index Value is equal to or greater than the Index Value on the Term Start Date. For the Index Protection Strategy with Trigger, you will not receive a negative Performance Credit if the Index Value decreases
                from the Term Start Date the Term End Date. For the Index Precision Strategy, you will receive a negative Performance Credit if the Index Value decreases from the Term Start Date the Term End Date and the decrease is greater than the
                Buffer. On each Term Start Date, we set a Trigger Rate for each Index Option with the Index Protection Strategy with Trigger, and Index Precision Strategy. The Trigger Rates provide predefined upside potential. The Trigger Rates applicable
                to your Contract are shown on the Index Options Statement.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Valid Claim</font><font style="color: #000000; font-family: Times New Roman;"> &#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="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Variable Account Value</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; on any Business Day,
                it is the value of the shares in the AZL Government Money Market Fund subaccount which holds your Purchase Payments until the Index Effective Date or the next Index Anniversary. The Variable Account Value increases and decreases based on
                the performance of the AZL Government Money Market Fund and reflects deduction of the fund&#8217;s operating expenses, any previous deductions we made for Contract fees and expenses, and financial adviser fees that you choose to have us pay from
                this Contract.</font></div>
            <div style="line-height: 10.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Withdrawal Charge Basis</font><font style="color: #000000; font-family: Times New Roman;"> &#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>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
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            <div style="line-height: 13.0pt;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 0pt; top: -2pt; width: 494pt;"><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Important Information
                You Should Consider About the Contract</font><font style="color:#000000;font-family:Arial;font-size:1pt;">&#8195;</font></div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z7a5989bfb5f54ec590735b7fd65cba8f">

                  <tr style="height:28pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:343pt;" colspan="3">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;text-transform:uppercase;">FEES AND
                            EXPENSES</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Prospectus</font></div>
                        <div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Location</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:251.5pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">for Early</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawals</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:343pt;" colspan="3">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">If you withdraw money from the Contract within six years of your
                            last Purchase Payment, </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">you will be assessed a withdrawal charge of up to 8.5% of the
                            Purchase Payment </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">withdrawn, declining to 0% over that time period. For example, if
                            you invest $100,000 in the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract and make an early withdrawal, you could pay a withdrawal
                            charge of up to $8,500.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;">&#8195;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">In addition, if you take a full or partial withdrawal (including
                            financial adviser fees that you </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">choose to have us pay from this Contract) from an Index Option on a
                            date other than the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Term End Date, a Daily Adjustment will apply to amounts invested in
                            the Index Option that </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">is available for withdrawal. The Daily Adjustment also applies if
                            before the Term End Date </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">you execute a Performance Lock, annuitize the Contract, we pay a
                            death benefit, or we </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">deduct Contract fees and expenses. The Daily Adjustment may be
                            negative depending on </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the applicable Crediting Method. You will lose money if the Daily
                            Adjustment is negative.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;">&#8195;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">&#8226;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:6.5pt;">Index Precision Strategy, Index Guard Strategy, and Index Performance </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:19.0pt;">Strategy</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">. Daily Adjustments under these Crediting Methods may be positive, negative, </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">or equal to zero. A negative Daily Adjustment will result in loss.
                            In extreme </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">circumstances, a negative Daily Adjustment could result in a loss
                            beyond the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">protection of the 10% or 20% Buffer, or -10% Floor, as applicable,
                            but it cannot result </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">in a total loss of -100%.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:19.0pt;">&#8195;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">&#8226;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:6.5pt;">Index Protection Strategy with Trigger</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">. Daily Adjustments under this
                            Crediting </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">Method may be positive or equal to zero, but cannot be negative.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Fee Tables</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;">&#8195;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">4. Valuing Your</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contract &#8211; Daily</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Adjustment</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;">&#8195;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">6. Expenses &#8211;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawal</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charge</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;">&#8195;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Appendix B &#8211; </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Daily</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Adjustment</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:27pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transaction</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:343pt;" colspan="3">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Other than withdrawal charges and Daily Adjustments that may apply
                            to withdrawals and </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">other transactions under the Contract, there are no other
                            transaction charges.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Not Applicable</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:93pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;" rowspan="5">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Ongoing</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Fees and</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Expenses</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(annual</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">charges)</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:343pt;" colspan="3">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The table below describes the fees and expenses that you may pay </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, depending </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">on the options you choose. Please refer to your Contract
                            specifications page for information </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">about the specific fees you will pay </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> based on the options you
                            have elected. </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">These ongoing fees and expenses do not reflect any financial adviser
                            fees paid to a </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Financial Professional from your Contract Value or other assets of
                            the Owner. If such </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">charges were reflected, these ongoing fees and expenses would be
                            higher.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">[To be updated by amendment]</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;">&#8195;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;" rowspan="5">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Fee Tables</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;">&#8195;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">6. Expenses</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;">&#8195;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Appendix E &#8211; </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Variable</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Option Under</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">the Contract</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:16pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:173pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Annual Fee</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:85pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Minimum</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:85pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:16pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:173pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Base Contract</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</font>
                          <div style="clear:right;"> </div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.01%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.01%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:38pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:173pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Investment Options</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</font>
                          <div style="clear:right;"> </div>
                        </div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(Variable Investment Option fees and </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">expenses)</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.65%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.65%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:38pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:173pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Optional Benefits Available for an Additional </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Charge</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</font>
                          <div style="clear:right;"> </div>
                        </div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(for a single optional benefit, if elected)</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.20%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:23pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:343pt;" colspan="3">
                      <div style="line-height:9pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">(1)</font>
                          <div style="clear:right;"> </div>
                        </div>
                      </div>
                      <div style="line-height:9pt;text-align:left;margin-top:-9pt;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">As a percentage of the Charge Base, plus an amount attributable to
                            the estimated contract maintenance </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">charge based on expected Contract sales.</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:16pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:343pt;" colspan="3">
                      <div style="line-height:9pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">(2)</font>
                          <div style="clear:right;"> </div>
                        </div>
                      </div>
                      <div style="line-height:9pt;text-align:left;margin-top:-9pt;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">An amount attributable to the estimated contract maintenance charge
                            based on expected Contract sales.</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:19pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:343pt;" colspan="3">
                      <div style="line-height:9pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">(3)</font>
                          <div style="clear:right;"> </div>
                        </div>
                      </div>
                      <div style="line-height:9pt;text-align:left;margin-top:-9pt;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">As a percentage of the Charge Base. This is the current charge for
                            the Maximum Anniversary Value Death </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">Benefit.</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;10&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_5065d72b-31f5-4c94-9e71-3fc884c1b76a_2"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="zb1f6b153ff1a42828aedf9eb3a96243e">

                  <tr style="height:28pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:343pt;" colspan="3">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;text-transform:uppercase;">FEES AND
                            EXPENSES</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Prospectus</font></div>
                        <div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Location</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:88pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:343pt;" colspan="3">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Because your Contract is customizable, the choices you make affect
                            how much you will </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">pay. To help you understand the cost of owning your Contract, the
                            following table shows the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">lowest and highest cost you could pay each year, based on current
                            charges. This estimate </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">assumes that you do not take withdrawals from the Contract, </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">which if taken from the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Options could result in substantial losses
                            due to the application of negative </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Daily Adjustments</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">[To be updated by amendment]</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:27pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:173pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Lowest Annual Cost:</font></div>
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$1,753</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:170pt;" colspan="2">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Highest Annual Cost:</font></div>
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$1,987</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:126pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:173pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Assumes:</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:6.5pt;">Investment of $100,000 in the AZL </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Government Money Market Fund (even </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">though you cannot select the fund for </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">investment)</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:6.5pt;">5% annual appreciation</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:6.5pt;">Traditional Death Benefit</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:6.5pt;">No additional Purchase Payments, </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">transfers, or withdrawals</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:6.5pt;">No financial adviser fees</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:170pt;" colspan="2">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Assumes:</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:6.5pt;">Investment of $100,000 in the AZL </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Government Money Market Fund (even </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">though you cannot select the fund for </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">investment)</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:6.5pt;">5% annual appreciation</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:6.5pt;">Maximum Anniversary Value Death </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Benefit with a 0.20% rider fee</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:6.5pt;">No additional Purchase Payments, </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">transfers, or withdrawals</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:6.5pt;">No financial adviser fees</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:16pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:343pt;" colspan="3">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;text-transform:uppercase;">RISKS</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:27pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Risk of</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Loss</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:343pt;" colspan="3">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">You can lose money by investing in the Contract, including loss of
                            principal and previous </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">earnings.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Risk Factors</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:247pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Not a</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Short-Term</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:343pt;" colspan="3">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;This Contract is not a short-term investment and is not
                            appropriate if you need ready </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">access to cash.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Considering the benefits of tax deferral and long-term income, the
                            Contract is generally </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">more beneficial to investors with a long investment time horizon.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Withdrawals may be subject to income taxes, including a 10%
                            additional federal tax that </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">may apply to withdrawals taken before age 59&#8202;</font><font style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8725;</font><font style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;">2</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;If within six years after we receive a Purchase Payment you take a
                            full or partial </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawal (including financial adviser fees that you choose to
                            have us pay from this </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Contract), withdrawal charges will apply. A withdrawal charge will
                            reduce your Contract </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Value or the amount of money that you actually receive. Withdrawals
                            may reduce or end </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Contract guarantees.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Amounts invested in an Index Option must be held in the Index
                            Option for the full Term </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">before they can receive a Performance Credit. We apply a Daily
                            Adjustment if before the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Term End Date you take a full or partial withdrawal (including
                            financial adviser fees that </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">you choose to have us pay from this Contract), annuitize the
                            Contract, execute a </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Performance Lock, we pay a death benefit, or we deduct Contract
                            fees and expenses. </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">For more information see section 4, Valuing Your Contract - Daily
                            Adjustment; and </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Appendix B &#8211; Daily Adjustment.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;The Traditional Death Benefit may not be modified, but it will
                            terminate if you take </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawals that reduce both the Contract Value and Guaranteed
                            Death Benefit Value to </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">zero. Withdrawals may reduce the Traditional Death Benefit&#8217;s
                            Guaranteed Death Benefit </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Value by more than the value withdrawn and could end the
                            Traditional Death Benefit.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Risk Factors</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;">&#8195;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">4. Valuing Your</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contract</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;">&#8195;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">10. Death Benefit</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;">&#8195;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Appendix B &#8211; </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Daily Adjustment</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:78pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Risks</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Associated</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">with</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Options</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:343pt;" colspan="3">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;An investment in the Contract is subject to the risk of poor
                            investment performance and </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">can vary depending on the performance of the AZL Government Money
                            Market Fund and </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the Index Options available under the Contract.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;The AZL Government Money Market Fund and each Index Option has its
                            own unique </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">risks.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;You should review the AZL Government Money Market Fund prospectus
                            and disclosures, </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">including risk factors, for each Index Option before making an
                            investment decision.</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Risk Factors</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
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          <div style="clear:both;"> </div>
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            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;11&#8201;</font></div>
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      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
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                  <tr style="height:28pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
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                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:343pt;" colspan="3">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;text-transform:uppercase;">RISKS</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Prospectus</font></div>
                        <div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Location</font></div>
                      </div>
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                  </tr>
                  <tr style="height:60pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Insurance</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Company</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Risks</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:343pt;" colspan="3">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">An investment in the Contract is subject to the risks related to us.
                            All obligations, </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">guarantees or benefits of the Contract are the obligations of
                            Allianz Life and are subject to </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">our claims-paying ability and financial strength. More information
                            about Allianz Life, </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">including our financial strength ratings, is available upon request
                            by visiting </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#0000FF;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">allianzlife.com/about/financial-ratings</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, or contacting us at (800) 624-0197.</font></div>
                      </div>
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                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Risk Factors</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:16pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:343pt;" colspan="3">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;text-transform:uppercase;">RESTRICTIONS</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:280pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investments</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:343pt;" colspan="3">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Certain Index Options may not be available under your Contract.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;You cannot allocate Purchase Payments to the AZL Government Money
                            Market Fund. </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">The sole purpose of the AZL Government Money Market Fund is to hold
                            Purchase </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Payments until they are transferred to your selected Index Options.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;We restrict additional Purchase Payments during the Accumulation
                            Phase. Each Index </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Year, you cannot add more than your initial amount (i.e., all
                            Purchase Payments received </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">before the first Quarterly Contract Anniversary of the first
                            Contract Year) without our prior </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">approval.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;We do not accept additional Purchase Payments during the Annuity
                            Phase.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;We typically only allow assets to move into the Index Options on
                            the Index Effective Date </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">and on subsequent Index Anniversaries as discussed in section 3,
                            Purchasing the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Contract &#8211; Allocation of Purchase Payments and Contract Value
                            Transfers. However, if </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">you execute a Performance Lock and request Early Reallocation, we
                            will move assets </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">into an Index Option on the Business Day we receive your Early
                            Reallocation request in </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Good Order.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;You can typically transfer Index Option Value only on Term End
                            Dates. However, you can </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">transfer assets out of an Index Option Value before the Term End
                            Date by executing a </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Performance Lock as discussed in section 4, Valuing Your Contract &#8211;
                            Performance Locks.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;We do not allow assets to move into an established Index Option
                            until the Term End Date. </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">If you request to allocate a Purchase Payment into an established
                            Index Option on an </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Anniversary that is not a Term End Date, we will allocate
                            those assets to the same </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Option with a new Term Start Date.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;We reserve the right to close or substitute the AZL Government
                            Money Market Fund. We </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">also reserve the right to close Index Options and substitute
                            Indexes. We also reserve the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">right to decline any or all Purchase Payments at any time on a
                            nondiscriminatory basis.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Risk Factors</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;">&#8195;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">3. Purchasing the</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contract</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;">&#8195;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">4. Valuing Your</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contract</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;">&#8195;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">5. AZL</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Government</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Money Market</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Fund</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;">&#8195;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Appendix A &#8211;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Available Indexes</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:60pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Optional</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefits</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:343pt;" colspan="3">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;The optional Maximum Anniversary Value Death Benefit may not be
                            modified. </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Withdrawals may reduce the Maximum Anniversary Value Death
                            Benefit&#8217;s Guaranteed </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Death Benefit Value by more than the value withdrawn and will end
                            the Maximum </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Anniversary Value Death Benefit if the withdrawals reduce both the
                            Contract Value and </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Guaranteed Death Benefit Value to zero.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">10. Death Benefit</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:16pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:343pt;" colspan="3">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;text-transform:uppercase;">TAXES</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:82pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Tax</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Implications</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:343pt;" colspan="3">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Consult with a tax professional to determine the tax implications
                            of an investment in and </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawals from or payments received under the Contract.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;If you purchased the Contract through a tax-qualified plan or
                            individual retirement account </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">(IRA), you do not get any additional tax benefit under the
                            Contract.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Earnings under the Contract may be taxed at ordinary income rates
                            when withdrawn, and </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">you may have to pay a 10% additional federal tax if you take a full
                            or partial withdrawal </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">before age 59</font><font style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8725;</font><font style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;">2</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">11. Taxes</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:16pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:343pt;" colspan="3">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;text-transform:uppercase;">CONFLICTS OF
                            INTEREST</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:78pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Professional</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Compensation</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:343pt;" colspan="3">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Your Financial Professional may receive compensation for selling
                            this Contract to you, in </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the form of commissions, additional cash benefits (e.g., cash
                            bonuses), and non-cash </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">compensation. We and/or our wholly owned subsidiary distributor may
                            also make marketing </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">support payments to certain selling firms for marketing services and
                            costs associated with </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract sales. This conflict of interest may influence your
                            Financial Professional to </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">recommend this Contract over another investment for which the
                            Financial Professional is </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">not compensated or compensated less.</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">12. Other</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Information &#8211;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Distribution</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;12&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_5065d72b-31f5-4c94-9e71-3fc884c1b76a_4"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="ze980a4d46b934c4ca20ce04e557552ca">

                  <tr style="height:28pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:343pt;" colspan="3">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;text-transform:uppercase;">CONFLICTS OF
                            INTEREST</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Prospectus</font></div>
                        <div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Location</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:45pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Exchanges</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:343pt;" colspan="3">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Some Financial Professionals may have a financial incentive to offer
                            you a new contract in </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">place of the one you already own. You should only exchange your
                            contract if you determine, </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">after comparing the features, fees, and risks of both contracts,
                            that it is better for you to </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">purchase the new contract rather than continue to own your existing
                            contract.</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">12. Other</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Information &#8211;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Distribution</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height: 1.0pt;"> </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;13&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_1"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 13.0pt;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 0pt; top: -2pt; width: 494pt;"><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Overview of the
                Contract</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-style: italic; font-weight: bold;">What Is the Purpose of the Contract?</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">The Index Advantage+ NF</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Times New Roman;"> is a product that offers Index Options and allows you to defer taking regular fixed periodic payments </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">(Annuity Payments)</font><font style="color: #000000; font-family: Times New Roman;"> to a future date. Under the Contract, you make one or more Purchase Payments.
                Each Purchase Payment is 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., Index 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><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">(Annuity Options)</font><font style="color: #000000; font-family: Times New Roman;">. The Contract
                includes for no additional charge a standard death benefit (the Traditional Death Benefit), or for an additional rider fee you may select the optional death benefit (the Maximum Anniversary Value Death Benefit) to replace the standard death
                benefit. Both death benefits help to financially protect your beneficiaries.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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 not be subject to
                withdrawal charges or Daily Adjustments (i.e., a person that does not need access to Contract Value within six&#160;years after we receive a Purchase Payment, or before an Index Option's Term End Date).</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">We offer other annuity contracts that may address your investment and retirement needs. These contracts include 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">The product or certain product features may not be available in all states, or may vary in your state (such as the free look). For
                more information see Appendix D - Material Contract Variations by State. 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.</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;14&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_2"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-style: italic; font-weight: bold;">What Are the Phases of the Contract?</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">The Contract has two phases: (1) an Accumulation Phase, and (2) an Annuity Phase.</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Accumulation Phase.</font><font style="color: #000000; font-family: Times New Roman;"> 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></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-left: 14pt; margin-top: 5.5pt;"><font style="color: #000000; font-family: Times New Roman;">Your Contract Value may fluctuate up or down during the Accumulation Phase based on the performance of your
                selected Index Options and the AZL Government Money Market Fund.</font></div>
            <div>
              <div style="clear:both;margin-top:5.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; margin-left: 14pt; width: 10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 3.37pt; width: 461.00pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Options.</font><font style="color: #000000; font-family: Times New Roman;"> You may allocate your Purchase Payments to any or all of the Index Options available under your Contract. There are currently 26 Index Options based on different combinations of four credit calculation methods </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">(Crediting Methods)</font><font style="color: #000000; font-family: Times New Roman;">, four nationally recognized third-party broad based equity securities price
                    return Indexes&#160;and an exchange-traded fund, and three Term periods for measuring Index performance. Each Index Option is the combination of an Index, a Crediting Method, a Term length, and any applicable Buffer or Floor amount.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 0.0pt; margin-top: 6.0pt;"> </div>
            <div style="margin-top:6pt;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z3395e599a622478e9a3968c18cd8d96f">

                  <tr style="height:63pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:140.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Currently Available</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                        <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Crediting Methods, Term </font></div>
                        <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Lengths, and</font></div>
                        <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Negative Index Performance </font></div>
                        <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Protection</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:164pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Currently</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Available Indexes</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:189.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Positive Index Performance</font></div>
                        <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Participation Limit</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:60pt;">
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                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Protection Strategy</font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">with Trigger 1-year Term with</font></div>
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                      </div>
                    </td>
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                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:189.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;0.10% minimum Trigger Rate</font></div>
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                    </td>
                  </tr>
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                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">1-year Term with 10% Buffer</font></div>
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                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:164pt;">
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                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Russell 2000</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index</font></div>
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                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;iShares</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> MSCI Emerging Markets ETF</font></div>
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                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:189.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;0.10% minimum Trigger Rate</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:60pt;">
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                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Guard Strategy</font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">1-year Term with -10% Floor</font></div>
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                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:164pt;">
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                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Russell 2000</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Nasdaq-100</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;EURO STOXX 50</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;iShares</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> MSCI Emerging Markets ETF</font></div>
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                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:189.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;0.10% minimum Cap</font></div>
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                    </td>
                  </tr>
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                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Performance Strategy</font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">1-year Term with 10% Buffer</font></div>
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                    </td>
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                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;EURO STOXX 50</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;iShares</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> MSCI Emerging Markets ETF</font></div>
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                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:189.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;0.10% minimum Cap</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Can be &#8220;uncapped&#8221; (i.e., we do not declare a </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Cap for that Term)</font></div>
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                  </tr>
                  <tr style="height:37pt;">
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                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:164pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;S&amp;P 500</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Russell 2000</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:189.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;2% minimum Cap</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Can be uncapped</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;100% minimum Participation Rate</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:37pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:140.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Performance Strategy</font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">3-year Term with 20% Buffer</font></div>
                      </div>
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                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:164pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;S&amp;P 500</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Russell 2000</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:189.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;2% minimum Cap</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Can be uncapped</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;100% minimum Participation Rate</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:34pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:140.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Performance Strategy</font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">6-year Term with 10% Buffer</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:164pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;S&amp;P 500</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Russell 2000</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:189.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;5% minimum Cap</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Can be uncapped</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;100% minimum Participation Rate</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height: 12.0pt; margin-left: 28pt; margin-top: 9pt;"><font style="color: #000000; font-family: Times New Roman;">Your initial and renewal Trigger Rates, Caps, and Participation Rates 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 </font></div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;15&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_3"></a>
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          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt; margin-left: 28pt;"><font style="color: #000000; font-family: Times New Roman;">Options Statement also includes the Index Values on the Term Start Date and Term End Date. We use these Index Values to determine
                Index Returns and Performance Credits. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">More detailed information about the Index Options is included in section</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;"> 4, Valuing Your Contract.</font></div>
            <div>
              <div style="clear:both;margin-top:5.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; margin-left: 14pt; width: 10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 3.37pt; width: 461.00pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">AZL Government Money Market Fund.</font><font style="color: #000000; font-family: Times New Roman;"> We hold your Purchase Payments in the AZL Government Money Market Fund until we transfer them to the Index Options in accordance with your instructions. You cannot choose to allocate Purchase Payments to
                    the AZL Government Money Market Fund. The AZL Government Money Market Fund is an underlying mutual fund with its own investment objective, strategies, and risks. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">For more information, please see Appendix E - Variable Investment Option Under the Contract.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:5.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Annuity Phase.</font><font style="color: #000000; font-family: Times New Roman;"> If you request Annuity Payments, the Accumulation Phase ends and the </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Annuity Phase</font><font style="color: #000000; font-family: Times New Roman;"> 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 rider fee
                    (if applicable). 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></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-left: 14pt; margin-top: 5.5pt;"><font style="color: #000000; font-family: Times New Roman;">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, your selected death benefit ends, and no amounts will be payable upon death during the Annuity Phase unless your Annuity Option provides otherwise.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-style: italic; font-weight: bold;">What Are the Contract&#8217;s Primary Features?</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Accessing Your Money.</font><font style="color: #000000; font-family: Times New Roman;"> 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</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color: #000000; font-family: Times New Roman;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;">2</font><font style="color: #000000; font-family: Times New Roman;">.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Additional Purchase Payments.</font><font style="color: #000000; font-family: Times New Roman;"> 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 Term End Date. If you request to allocate a Purchase Payment into an established Index Option on an Index Anniversary that is not a Term End Date, we will allocate those assets to the same Index Option with a new
                    Term Start Date.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Death Benefits.</font><font style="color: #000000; font-family: Times New Roman;"> 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="color: #000000; font-family: Times New Roman; font-weight: bold;">(the Traditional Death Benefit)</font><font style="color: #000000; font-family: Times New Roman;">. At the time of purchase, you may select the optional death
                    benefit </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">(the Maximum Anniversary Value Death Benefit)</font><font style="color: #000000; font-family: Times New Roman;"> to replace the standard
                    death benefit for an additional rider fee. Either death benefit is the greater of Contract Value, or the Guaranteed Death Benefit Value. Unlike the Traditional Death Benefit, however, the Maximum Anniversary Value Death Benefit locks in
                    any annual investment gains as part of the Guaranteed Death Benefit Value to potentially provide a death benefit greater than the Traditional Death Benefit (which is based on Purchase Payments). The Maximum Anniversary Value Death
                    Benefit cannot be less than the Traditional Death Benefit, but they can be equal.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Withdrawal Charge Waivers.</font><font style="color: #000000; font-family: Times New Roman;"> 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. In most states, the waiver of withdrawal charge benefit&#160;allows you to take a
                    withdrawal after the first Contract Year without incurring a withdrawal charge if you are confined for care for at least 90 days, or are unable to perform at least two activities of daily living. Also, if you own an 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></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
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          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;16&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_4"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div>
              <div style="clear:both;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Deduction of Financial Adviser Fees.</font><font style="color: #000000; font-family: Times New Roman;"> 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 will 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
                    a 10% additional federal tax if you are younger than age 59</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color: #000000; font-family: Times New Roman;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;">2</font><font style="color: #000000; font-family: Times New Roman;">). </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Please consult with your Financial Professional before requesting us to pay financial adviser fees from this Contract rather than from other assets you may have.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 13.0pt; margin-top: 12.5pt;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 12.0pt; position: relative; top: -2pt; width: 494pt;"><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Fee
                Tables</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">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&#160;based on the options you have elected. 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Transaction Expenses</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold;">Withdrawal Charge During Your Contract&#8217;s First Phase, the Accumulation Phase</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">(1)</font> <br>
              <font style="color: #000000; font-family: Arial Narrow; margin-left: 0%;">(as a percentage of each Purchase Payment withdrawn)</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">(2)</font><font style="color:#000000;font-family:Arial Narrow;font-size:1pt;">&#8195;</font></div>
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              <table cellspacing="0" cellpadding="0" style="empty-cells:show;margin-left:163.65pt;width:166.69pt;" id="zc6777620f666437693848319e4fed1e8">

                  <tr style="height:34.75pt;">
                    <td style="padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:86.53pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:-2pt;margin-right:4pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Number of Complete</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Years Since</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Purchase Payment</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:80.16pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:4pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Withdrawal Charge</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Amount</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.75pt;">
                    <td style="padding-bottom:2pt;padding-top:1.75pt;vertical-align:Top;width:86.53pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:-2pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:1.75pt;vertical-align:Top;width:80.16pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-right:-10.0pt;">8.5%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;width:86.53pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:-2pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;width:80.16pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:6.84pt;margin-right:-10.0pt;">8%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;width:86.53pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:-2pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;width:80.16pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:6.84pt;margin-right:-10.0pt;">7%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;width:86.53pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:-2pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;width:80.16pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:6.84pt;margin-right:-10.0pt;">6%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;width:86.53pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:-2pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;width:80.16pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:6.84pt;margin-right:-10.0pt;">5%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;width:86.53pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:-2pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;width:80.16pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:6.84pt;margin-right:-10.0pt;">4%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:9pt;">
                    <td style="padding-bottom:1pt;padding-top:2pt;vertical-align:Top;width:86.53pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:-2pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6 years or more</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1pt;padding-top:2pt;vertical-align:Top;width:80.16pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:6.84pt;margin-right:-10.0pt;">0%</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height: 0.0pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:1pt;margin-left:0%;">&#8195;</font></div>
            <div style="line-height: 0.0pt;"> </div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="empty-cells:show;width:494pt;" id="z69ae35542f744fd190d21daae0644170">

                  <tr style="height:58.5pt;">
                    <td style="padding-bottom:3.5pt;padding-top:3.5pt;vertical-align:Bottom;width:261.33pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:108.18pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:1pt;margin-right:4pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Protection Strategy</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">with Trigger</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:85.74pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:4pt;margin-right:4pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Precision</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Strategy</font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">and</font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Performance</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Strategy</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:38.75pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:4pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Guard</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Strategy</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.5pt;">
                    <td style="padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;width:261.33pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Daily Adjustment Maximum Potential Loss</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;width:108.18pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:48.165pt;margin-right:48.165pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-right:-10.0pt;">0%</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;width:85.74pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:34.665pt;margin-right:34.665pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28.66pt;margin-right:-10.0pt;">99%</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;width:38.75pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:8.17pt;margin-right:-10.0pt;">35%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:21pt;">
                    <td style="padding-top:2pt;vertical-align:Top;width:261.33pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">(as a percentage of Index Option Value, applies for distributions </font></div>
                        <div style="margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18pt;">from an Index Option before any Term End Date)</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</font>
                          <div style="clear:right;"> </div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-top:2pt;vertical-align:Top;width:108.18pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:48.165pt;margin-right:48.165pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-top:2pt;vertical-align:Top;width:85.74pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:34.665pt;margin-right:34.665pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28.66pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-top:2pt;vertical-align:Top;width:38.75pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:8.17pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div>
              <div style="clear:both;margin-top:9.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 10pt; width: 9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(1)</font></div>
                <div style="float: left; line-height: 10pt; margin-left: 8.68pt; width: 471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">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.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:1.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 10pt; width: 9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(2)</font></div>
                <div style="float: left; line-height: 10pt; margin-left: 8.68pt; width: 471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">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.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:1.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 10pt; width: 9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(3)</font></div>
                <div style="float: left; line-height: 10pt; margin-left: 8.68pt; width: 471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">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 a Term 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 20% Buffer, or -10%
                    Floor. The Daily Adjustment applies if before the Term End Date 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 or expenses. The actual Daily Adjustment calculation is determined by a formula described in Appendix B.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">The next table describes the fees and expenses that you will pay each year during the time that you own the
                Contract (not including AZL Government Money Market Fund fees and expenses). If you purchased the optional Maximum Anniversary Value Death Benefit, you pay additional charges, as shown below.</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;17&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_5"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Annual Contract Expenses</font><font style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;">&#8195;</font></div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z58b45c0290b947d991788f4235fe1eee">

                  <tr style="height:26.5pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:453.25pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Administrative Expenses (or contract maintenance charge)</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</font>
                          <div style="clear:right;"> </div>
                        </div>
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">(per year)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:40.75pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.00pt;">$50</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:22.5pt;">
                    <td style="padding-bottom:2pt;padding-top:3pt;vertical-align:Top;width:453.25pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Optional Benefit Expenses &#8211; Maximum Anniversary Value
                            Death Benefit</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font></div>
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">(as a percentage of the Charge Base)</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:3pt;vertical-align:Top;width:40.75pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.20%</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div>
              <div style="clear:both;margin-top:9.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 10pt; width: 9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(1)</font></div>
                <div style="float: left; line-height: 10pt; margin-left: 8.68pt; width: 471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">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. During the Annuity Phase, we deduct the contract maintenance charge proportionately from each Annuity Payment. See the section 6, Expenses &#8211; Contract Maintenance Charge
                    (Administrative Expenses).</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">The next table shows the total operating expenses charged by the AZL Government Money Market Fund that you may pay
                periodically during the time that you own the Contract. More information about the AZL Government Money Market Fund, including its annual expenses, may be found in Appendix E &#8211; Variable Investment Option Under the Contract. The Index
                Options do not have operating expenses, and are therefore not included in the following table.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Annual Expenses of the AZL Government Money Market Fund</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">[To be updated by amendment]</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="empty-cells:show;width:494pt;" id="zded7d2b42b7d4df3a4003a3e6905c007">

                  <tr style="height:auto;">
                    <td style="vertical-align:Top;width:467.75pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(expenses that are deducted from the fund&#8217;s assets, including management fees,</font></div>
                        <div style="margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">distribution and/or service (12b-1) fees, and other expenses)</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:26.25pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:1pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-right:-10.0pt;">0.65%</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height: 12.0pt; margin-top: 12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Example</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">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. The Example is based on an investment solely in the AZL Government Money Market Fund even though you cannot allocate Purchase Payments directly to the fund. The costs include transaction expenses, annual
                Contract expenses, and annual expenses of the AZL Government Money Market Fund. 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">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&#160;and that you elected the Maximum Anniversary Value Death Benefit. Although your actual costs may be higher or lower, based on these assumptions, your costs would be:</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">[To be updated by amendment]</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="line-height: 0.0pt;"> </div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="empty-cells:show;margin-left:24pt;width:446pt;" id="zb4a41f8ed18046b0a3bfb172a54a3a6e">

                  <tr style="height:11pt;">
                    <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Bottom;width:257.98pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:44.04pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">1 Year</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:47.64pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">3 Years</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:47.64pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">5 Years</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:48.71pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:7pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">10 Years</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:25.5pt;">
                    <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:257.98pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(1) If you surrender your Contract (take a full withdrawal) at the end </font></div>
                        <div style="margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">of the applicable time period.</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:44.04pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:7.50pt;margin-right:7.50pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$11,334</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:47.64pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:9.00pt;margin-right:9.00pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$15,765</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:47.64pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:9.00pt;margin-right:9.00pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$20,065</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:48.71pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:7pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$32,585</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:24pt;">
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:257.98pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(2) If you annuitize your Contract at the end of the applicable time </font></div>
                        <div style="margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">period.</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:44.04pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:7.50pt;margin-right:7.50pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:12.21pt;">N/A*</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:47.64pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:9.00pt;margin-right:9.00pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">8,765</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:47.64pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:9.00pt;margin-right:9.00pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$15,065</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:48.71pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:7pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$32,585</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:9.5pt;">
                    <td style="padding-top:2.5pt;vertical-align:Top;width:257.98pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(3) If you do not surrender your Contract.</font></div>
                      </div>
                    </td>
                    <td style="padding-top:2.5pt;vertical-align:Top;width:44.04pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:7.50pt;margin-right:7.50pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:3.96pt;">2,834</font></div>
                      </div>
                    </td>
                    <td style="padding-top:2.5pt;vertical-align:Top;width:47.64pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:9.00pt;margin-right:9.00pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">8,765</font></div>
                      </div>
                    </td>
                    <td style="padding-top:2.5pt;vertical-align:Top;width:47.64pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:9.00pt;margin-right:9.00pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$15,065</font></div>
                      </div>
                    </td>
                    <td style="padding-top:2.5pt;vertical-align:Top;width:48.71pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:7pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$32,585</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div>
              <div style="clear:both;margin-top:9pt;position:relative;width:100%;">
                <div style="float: left; line-height: 10pt; width: 4pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">*</font></div>
                <div style="float: left; line-height: 10pt; margin-left: 14pt; width: 471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">The earliest available Annuity Date is the second Index Anniversary.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 13.0pt; margin-top: 10pt;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 12.0pt; position: relative; top: -2pt; width: 494pt;"><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Risk
                Factors</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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 Index Options you choose.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Liquidity Risks</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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 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 will </font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;18&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_6"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-family: Times New Roman;">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.)</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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><font style="color: #000000; font-family: Times New Roman; 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: deductions we make for prior Penalty-Free Withdrawals and
                Contract fees or expenses; and/or poor performance.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color: #000000; font-family: Times New Roman;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;">2</font><font style="color: #000000; font-family: Times New Roman;">.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">We only apply Performance Credits to the Index Options once each Term on the Term End Date, rather than on a daily basis. In the
                interim, we calculate Index Option Values based on the Daily Adjustment. The AZL Government Money Market Fund is not subject to the Daily Adjustment. Any assets removed from an Index Option during the Term 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 Term End Date. These removed assets will not receive the full benefit of the Index Value, Index Return, and the 10% or 20% Buffer, or -10% Floor that would have been available on the Term End
                Date, and losses could exceed the protection offered by the 10% or 20% Buffer, or -10% Floor. You will receive a Performance Credit only on the Index Option Value remaining in an Index Option on the Term End Date.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">You can typically transfer Index Option Value among the Index Options only on Term End Dates. 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. However, you can transfer assets out of an Index Option before the Term End Date by executing a Performance Lock. Once an Index Option is
                locked, you can transfer assets out of it on the Index Anniversary that occurs on or immediately after the Lock Date. For a 3-year or 6-year Term Index Option this means you can transfer out of the locked Index Option before the Term End
                Date by executing a Performance Lock on or before the second Index Anniversary of a 3-year Term, or on or before the fifth Index Anniversary of a 6-year Term.&#160;You can also transfer assets out of any locked Index Option before the Term End
                Date by requesting an Early Reallocation. You can only execute two Early Reallocations each Index Year, but each request can involve multiple locked Index Options. 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Risks of Investing in Securities</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Returns on securities and securities Indexes can vary substantially, which may result in investment losses. The historical
                performance of the available Index Options and the AZL Government Money Market Fund 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 Index Options and the AZL Government Money Market Fund 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Index Option returns depend on the performance of an Index although you are not directly invested in the Index. Because the S&amp;P
                500</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> Index, Russell 2000</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> Index, Nasdaq-100</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> Index, EURO STOXX 50</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> and iShares</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> MSCI Emerging Markets ETF 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.</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;19&#8201;</font></div>
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      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
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      <div> <a name="xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_7"></a>
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            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">S&amp;P 500</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;"> Index</font><font style="color: #000000; font-family: Times New Roman;">. The
                S&amp;P 500</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> 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="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Russell 2000</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;"> Index</font><font style="color: #000000; font-family: Times New Roman;">. The
                Russell 2000</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> 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><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Nasdaq-100</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;"> Index</font><font style="color: #000000; font-family: Times New Roman;">. The
                Nasdaq-100</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> 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</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> 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="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">EURO STOXX 50</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;">. EURO STOXX 50</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> is comprised of the equity securities of large-capitalization companies in the Eurozone. The securities comprising
                EURO STOXX 50</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> 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>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">iShares</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;"> MSCI Emerging Markets ETF</font><font style="color: #000000; font-family: Times New Roman;">. The iShares</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> MSCI Emerging Markets ETF seeks to
                track the investment results of the MSCI Emerging Markets Index, which is designed to measure equity market performance in the global emerging markets. The underlying index may include large-and mid-capitalization companies. iShares</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> MSCI Emerging Markets ETF is an exchange-traded fund. The performance of
                the iShares</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> MSCI Emerging Markets ETF may not replicate the
                performance of, and may underperform the underlying index. The price of the iShares</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> MSCI Emerging Markets ETF will reflect expenses and fees that will reduce its relative performance. Moreover, it is also possible that the iShares</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> MSCI Emerging Markets ETF may not fully replicate or may, in certain circumstances, diverge significantly from the
                performance of the underlying index. Additional information about iShares</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> MSCI Emerging Markets ETF is available on the SEC&#8217;s website at </font><font style="color: #0000FF; font-family: Times New Roman;">sec.gov</font><font style="color: #000000; font-family: Times New Roman;"> and copies of that
                information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: publicinfo@sec.gov. Please note that this information is not prepared by us and may be intended for shareholders of the
                ETF. You will not be a shareholder of the ETF by investing in an Index Option that is linked to the performance of the ETF. You may also request additional information about the ETF from our Service Center or your Financial Professional.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
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                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The COVID-19 pandemic has at times led to significant volatility and
                            negative returns in the financial markets. These </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">market conditions have impacted the performance of the Indexes to which
                            the Index Options are linked, as well as </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">securities held by the AZL Government Money Market Fund. If these
                            market conditions continue or reoccur, and </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">depending on your individual circumstances (</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">e.g.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">, your selected Index
                            Options and the timing of any Purchase Payments, </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transfers, or withdrawals), you may experience (perhaps significant)
                            negative returns under the Contract. The COVID-19 </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">pandemic has contributed to an uncertain and evolving economic
                            environment. The impact of the COVID-19 pandemic </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and other interrelated factors (e.g., changes in interest rates, rising
                            inflation, actions of governmental authorities) on the </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">economic environment cannot be predicted with certainty, but they could
                            negatively affect the returns of an Index and </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the level of Trigger Rates, Caps, and Participation Rates, and other
                            product features, and the overall performance of your </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract.</font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The military invasion of Ukraine initiated by Russia in February 2022
                            and the resulting response by the United States </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and other countries have led to economic disruptions, as well as
                            increased volatility and uncertainty in the financial </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">markets. It is not possible to predict the ultimate duration and scope
                            of the conflict, or the future impact on U.S. and </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">global economies and financial markets. The performance of the Indexes
                            to which the Index Options are linked, as well </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">as securities held by the AZL Government Money Market Fund, may be
                            adversely affected. This risk could be higher for </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Indexes with exposure to European or Russian markets, including EURO
                            STOXX 50</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#160;and iShares</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> MSCI Emerging </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Markets ETF. Depending on your individual circumstances (e.g., your
                            selected Index Options and the timing of any </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Purchase Payments, transfers, or withdrawals), you may experience
                            (perhaps significant) negative returns under the </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract. You should consult with a Financial Professional about how
                            the recent market conditions may impact your </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">future investment decisions related to the Contract, such as purchasing
                            the Contract or making Purchase Payments, </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transfers, or withdrawals, based on your individual circumstances.</font></div>
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              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
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            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;20&#8201;</font></div>
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      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
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      <div> <a name="xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_8"></a>
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            <div style="line-height: 12.0pt; margin-top: 12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Risk of Negative Returns</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">The AZL Government Money Market Fund does not provide any protection against negative returns. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">You can lose principal and previous earnings for Purchase Payments held in the AZL Government Money Market Fund and such losses could be significant.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">If you allocate Purchase Payments or transfer Contract Value to an Index Option with the Index Precision Strategy, Index Guard
                Strategy, or Index Performance Strategy, negative Index Returns may cause Performance Credits to be either negative after application of the 10% or 20% Buffer, or negative down to the -10% Floor. For the Index Performance Strategy, we apply
                the Buffer for the entire Term length; we do not apply the Buffer annually on a 3-year or&#160;6-year 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><font style="color: #000000; font-family: Times New Roman; 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 with the Index Precision Strategy, Index Guard Strategy, or Index Performance Strategy, and such losses could be significant. If you allocate Purchase Payments or transfer Contract
                Value to the Index Options with the Index Protection Strategy with Trigger you can also lose principal and previous earnings if you do not receive the Performance&#160;Credit, or if the Contract fees and expenses are greater than the
                Performance&#160;Credit. </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">The maximum potential negative Performance Credit for the Index Performance Strategy and Index Precision Strategy is based on the
                Buffer. If the Buffer is 10% the maximum negative Performance Credit is -90%, and if the Buffer is 20% the maximum negative Performance Credit is -80%. The maximum potential negative Performance Credit for the Index Guard Strategy is the
                -10% Floor. </font><font style="color: #000000; font-family: Times New Roman; 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="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">The Daily Adjustment is how we calculate Index Option Values on Business Days other than the Term Start Date or Term End Date. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">The AZL Government Money Market Fund is not subject to the Daily Adjustment.</font><font style="color: #000000; font-family: Times New Roman;"> The
                Daily Adjustment can affect the amounts available for withdrawal, Performance Locks, annuitization, payment of the death benefit, and the Contract Value used to determine the contract maintenance charge&#160;and Charge Base for the rider fee.
                The Daily Adjustment can be less than the Trigger Rate or Cap even if the current Index return during the Term is greater than the Trigger Rate or Cap. In addition, even though the current Index return during the Term may be positive, the
                Daily Adjustment may be negative due to changes in Proxy Value inputs, such as volatility, dividend yield, and interest rate. However, the Daily Adjustment for the Index Protection Strategy with Trigger cannot be negative. The Daily
                Adjustment is generally negatively affected by:</font></div>
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              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">interest rate decreases,</font></div>
              </div>
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            </div>
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              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">dividend rate increases,</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
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              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">poor market performance, and</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">the expected volatility of Index prices. Increases in the expected volatility of Index prices
                    negatively affect the Index Precision Strategy and Index Performance Strategy with 1-year Terms, while decreases in the expected volatility of Index prices negatively affect the Index Guard Strategy. For the Index Performance Strategy
                    3-year and 6-year Term Index Options, the impact of changes in the expected volatility of Index prices is dependent on the market environment and the applicable Caps and Participation Rates. For the Index Protection Strategy with
                    Trigger, the impact of changes in the expected volatility of Index prices is dependent on the market environment.</font></div>
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              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">The Daily Adjustment for Index Options with a Term length of more than 1-year (3-year and 6-year Term Index Options and Early
                Reallocation to a 1-year Term Index Option) may be more negatively impacted by changes in the expected volatility of Index prices than 1-year Term Index Options due to the difference in term length. Also, the risk of a negative Daily
                Adjustment is greater for Index Options with a Term length of more than 1-year than for 1-year Term Index Options due to the Term length. For shorter term lengths, there is less uncertainty in the final Index Values and the impact of the
                applicable Caps and Buffers on the Daily Adjustment is greater. Consequently, the impact of the Cap and Buffer on the Daily Adjustment for a 1-year Term Index Option is greater than it is for Index Options with a Term length of more than
                1-year. In addition, 3-year and 6-year Term Index Options with a Participation Rate above 100% may also have larger fluctuations in the Daily Adjustment than Index Options either without a Participation Rate, or with a&#160;Participation Rate
                equal to 100%.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">If you take a withdrawal from an Index Option with the Index Precision Strategy, Index Guard Strategy, or Index Performance Strategy
                before the Term End Date, </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">you could lose principal and previous earnings because of the Daily Adjustment </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">even if Index performance is positive on that day or has been positive since the Term Start Date</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">. If the current Index return during the Term is negative, the Daily Adjustment for these Index Options could result in losses greater than the protection provided by the 10% or 20% Buffer, or -10% Floor.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;"> In extreme circumstances </font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;21&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_9"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">the Daily Adjustment could result in a loss beyond the protection of the Buffer or Floor, but it cannot result in a total loss of
                -100%. </font><font style="color: #000000; font-family: Times New Roman; 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 style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Risks Associated with Calculation of Performance Credits</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">We calculate Performance Credits each Term on the Term End Date. 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 Term. If you allocate Purchase Payments or transfer Contract Value to the Index
                Options with Index Protection Strategy with Trigger, positive returns are limited by the Trigger Rates. You are not subject, however, to potential negative Performance Credits. The Trigger Rates on the Index Options with Index Precision
                Strategy, and the Caps on the Index Options with Index Guard Strategy and Index Performance Strategy also limit positive returns and could cause performance to be lower than it would otherwise have been if you invested in a mutual fund or
                exchange-traded fund designed to track the performance of the applicable Index. For the Index Performance Strategy, we apply the Cap and any Participation Rate for the entire Term length; we do </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">not</font><font style="color: #000000; font-family: Times New Roman;"> apply the Cap and any Participation Rate annually on a 3-year or 6-year Term Index Option.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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:</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">[To be updated by amendment]</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="line-height: 0.0pt;"> </div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="empty-cells:show;width:494pt;" id="zb33d8718960f48c2beab9f7570036a52">

                  <tr style="height:11pt;">
                    <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Bottom;width:165.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:328.43pt;" colspan="5">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:4pt;margin-right:-2pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">January 1, 2012 through December 31, 2022</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:27pt;">
                    <td style="padding-bottom:4pt;padding-top:1.5pt;vertical-align:Bottom;width:165.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:49.31pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:4pt;margin-right:4pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">S&amp;P 500</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">&#174;</font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:62.51pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:4pt;margin-right:4pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Nasdaq-100</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">&#174;</font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:66.19pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:4pt;margin-right:4pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Russell 2000</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">&#174;</font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:55.68pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:4pt;margin-right:4pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">EURO</font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">STOXX 50</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">&#174;</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:94.74pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:4pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">iShares</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> MSCI</font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Emerging Markets ETF</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13.5pt;">
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.5pt;vertical-align:Top;width:165.57pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Returns without dividends</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.5pt;vertical-align:Top;width:49.31pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:14.395pt;margin-right:14.395pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-right:-10.0pt;">14.84%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.5pt;vertical-align:Top;width:62.51pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:20.995pt;margin-right:20.995pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-right:-10.0pt;">22.67%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.5pt;vertical-align:Top;width:66.19pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:22.835pt;margin-right:22.835pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-right:-10.0pt;">12.57%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.5pt;vertical-align:Top;width:55.68pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:17.58pt;margin-right:17.58pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;margin-right:-10.0pt;">7.03%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.5pt;vertical-align:Top;width:94.74pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-right:-10.0pt;">3.79%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:9.5pt;">
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:165.57pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Returns with dividends</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:49.31pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:14.395pt;margin-right:14.395pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.6pt;margin-right:-10.0pt;">17.11%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:62.51pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:20.995pt;margin-right:20.995pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-right:-10.0pt;">24.05%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:66.19pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:22.835pt;margin-right:22.835pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-right:-10.0pt;">14.07%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:55.68pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:17.58pt;margin-right:17.58pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-right:-10.0pt;">10.88%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:94.74pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-right:-10.0pt;">5.90%</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height: 12.0pt; margin-top: 9pt;"><font style="color: #000000; font-family: Times New Roman;">Trigger Rates, Caps, and Participation Rates may be adjusted on the next Term Start Date and may vary significantly from Term to
                Term. Changes to Trigger Rates, Caps, and Participation Rates may significantly affect the amount of Performance Credit you receive. For more information, see the &#8220;Changes to&#160;Trigger Rates, Caps, and Participation Rates&#8221; discussion later in
                this section.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">The Crediting Methods only capture Index Values on the Term Start Date and Term End Date, so you will bear the risk that the Index
                Value might be abnormally low on these days.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Risks Associated with Performance Locks and Early Reallocations</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">If a Performance Lock is executed:</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">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 for a locked Index Option, and you will start a new Index Option on the next
                    Index Anniversary that occurs on or immediately after the Lock Date&#160;unless you execute an Early Reallocation.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">You will not receive a Performance Credit on any locked Index Option.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">We use the Daily Adjustment calculated at the end of the </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">current</font><font style="color: #000000; font-family: Times New Roman;"> 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 Performance Lock, or if you set a lower target your locked Index Option
                    Value could be less than your selected target.&#160;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.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">We will not execute a Performance Lock on Index Protection Strategy with Trigger Index Options if
                    the Daily Adjustment is zero.&#160;This may limit your ability to take advantage of the benefits of the Early Reallocation feature.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;22&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_10"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div>
              <div style="clear:both;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">There are limits on Early Reallocations. We do not accept Early Reallocation requests within 14
                    calendar days before an Index Anniversary and you are limited to two Early Reallocation requests each Index Year. After your second Early Reallocation request in an Index Year, any locked Index Options will remain locked until the next
                    Index Anniversary. These limitations mean you may not be able to take advantage of any increases to Early Reallocation rates, or any advantageous changes to Index values that may become available at the optimal time. This may limit your
                    return potential.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Early Reallocation Trigger Rates, Caps, and Participation Rates you receive may be less than the
                    Early Reallocation rates that become available later in the Index Year, or the renewal rates available on the next Index Anniversary. This may limit your return potential.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z9d42d03486ec41e9a0ebbac8f27fe02b">

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

              </table>
            </div>
            <div style="line-height: 12.0pt; margin-top: 12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Substitution of an Index&#160;and Limitation on Further Investments</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">There is no guarantee that the Indexes will be available during the entire time that you own your Contract. Once we add an Index to
                your Contract, we cannot remove it without simultaneously substituting it. For the Index Options, 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:</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">the Index is discontinued,</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">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,</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">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, or</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">we determine in our sole discretion that the substitution is necessary.&#160;It is our policy that we
                    will exercise this discretion only to respond as we deem necessary to unanticipated events outside of our direct control. This might include other events similar to those listed above, other changes to the Index (such as name or
                    ownership changes) that legally may be considered a substitution or that do not align with our business strategy or values, or a breach by the Index provider of the Index intent or performance expectations.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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. Index substitutions can occur either on a Term Start Date or during a Term. If we substitute an Index during a Term we will combine
                the return of the previously available substituted Index from the Term Start Date to the substitution date with the return of the new Index from the substitution date to the Term End Date. If we substitute an Index during a Term:</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">we do </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">not</font><font style="color: #000000; font-family: Times New Roman;"> change the Charge Base we use to calculate the rider fee, and</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">the Buffers, Floors, Trigger Rates, Caps, and Participation Rates for the substituted Index will
                    apply to the new Index. We do </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">not</font><font style="color: #000000; font-family: Times New Roman;"> change the Buffers,
                    Floors, Trigger Rates, Caps, or Participation Rates that were in effect on the Term Start Date.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Changes to Trigger Rates, Caps, and Participation Rates associated with the new Index, if any, may occur at the next regularly
                scheduled Term Start Date. Depending on the constitution of the substituted 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
                Trigger Rates, Caps, and Participation Rates associated with the new Index. However, we would not implement any change to reflect this difference until the next Term Start Date after the substitution. The substitution of an Index during a
                Term may result in an abnormally large change in the Daily Adjustment on the day we substitute the Index.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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 substitute any equity Index with a broad-based equity index.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">We may also discontinue accepting new allocations into a specific Index Option at any time.&#160;</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;23&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_11"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Changes to&#160;Trigger Rates, Caps, and Participation Rates</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">The 10% and 20% Buffers, and -10% Floors 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 or Floor for it on the date we add the Index Option to your Contract. For a new Index Option the minimum Buffer is 5% and the minimum Floor is -25%.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">We establish the initial Trigger Rates, Caps, and Participation Rates for a newly issued Contract on the Index Effective Date and
                they cannot change until the next Term Start Date. 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></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">You should be aware that, generally, initial Trigger Rates, Caps, and Participation Rates 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-family: Times New Roman; font-weight: bold; text-decoration: underline;">allianzlife.com/RILAratesnf</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;"> and cannot be superseded until that period ends. If you select an Index Effective Date that is within the guaranteed period for the initial rates that are available
                for review on the Issue Date, you will receive the initial rates that were available on the Issue Date. However, if you select an Index Effective Date that is after this guaranteed period, you are subject to the risk that initial Trigger
                Rates, Caps, and Participation Rates may change and be less advantageous to you. You are responsible for reviewing the initial rates before your Index Effective Date to ensure your allocations and the product still meet your needs.
                Furthermore, if your Index Effective Date is after the end of the free look period and you cancel the Contract, you will receive the Cash Value. On or before the Index Effective Date you are&#160;</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">not</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">&#160;subject to the Daily Adjustment. You may review future rates at least seven calendar
                days before their effectiveness at </font><font style="color: #0000FF; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">allianzlife.com/RILAratesnf</font><font style="color: #000000; font-family: Times New Roman; 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="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">We can change the renewal Trigger Rates, Caps, and Participation Rates for an existing Contract on each new Term Start Date subject
                to the guaranteed minimums, in our discretion.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">We will send you a letter at least 30 days before each Index Anniversary. This letter advises you that current Trigger Rates, Caps,
                and Participation Rates are expiring, and that renewal rates for the next Term Start Date will be available for your review. The Index Anniversary letter also reminds you of your opportunity to transfer&#160;your Index Option Values on the
                upcoming Term End Date. On each Term End Date you have the option of remaining allocated to your current Index Options at the renewal Trigger Rates, Caps, and Participation Rates that we set on the next Term Start Date, or transferring to
                another permitted Index Option. At least seven calendar days before each Index Anniversary we publish renewal rates for the next Term Start Date for your review in your account on our website, and on our public website at </font><font style="color: #0000FF; font-family: Times New Roman;">allianzlife.com/RILAratesnf</font><font style="color: #000000; font-family: Times New Roman;">. If you do not review renewal change information when it is published, or take no action to
                transfer to another permitted Index Option, you will remain allocated to your current Index Options and will automatically become subject to the renewal Trigger Rates, Caps, and Participation Rates until the next Term End Date.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">You risk the possibility that the renewal Trigger Rates, Caps, and Participation Rates 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 Term End Date (or the next Business Day if the Term End Date is a non-Business Day) or you
                will be subject to these renewal Trigger Rates, Caps, and Participation Rates for the next Term. 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).</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">If you execute a Performance Lock you may be able to request an Early Reallocation and begin a new Index Option with a new Term Start
                Date and a new Trigger Rate, Cap, or Participation Rate before the next Index Anniversary. We can change Early Reallocation Trigger Rates, Caps, and Participation Rates for an existing Contract subject to the guaranteed minimums, in our
                discretion. We publish Early Reallocation rates at least seven calendar days before the end of the current Early Reallocation offering period for your review in your account on our website. If you do not execute an Early Reallocation, you
                will remain allocated to your current locked Index Options until the Index Anniversary that occurs on or immediately after the Lock Date.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">Initial, renewal, and Early Reallocation Trigger Rates, Caps, and Participation Rates may vary significantly depending upon a variety
                of factors, including:</font></div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">market volatility,</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">our hedging strategies and investment performance,</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">the availability of hedging instruments,</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;24&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_12"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div>
              <div style="clear:both;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">the amount of money available to us through Contract fees and expenses to purchase hedging
                    instruments,</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">your Index Effective Date,</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">the level of interest rates,</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">utilization of Contract benefits by Owners, and</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">our profitability goals.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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, renewal, and Early Reallocation Trigger Rates, Caps, and Participation Rates 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 Trigger Rates, Caps, and Participation Rates. Interest rates could increase. In a rising interest rate environment, increases in Trigger Rates, Caps, and
                Participation Rates, if any, may be substantially slower than increases in interest rates.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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 and Early Reallocation Trigger Rates, Caps, and Participation Rates to reflect these cost
                changes. The primary factor affecting the differences in the initial Trigger Rates, Caps, and Participation Rates for newly issued Contracts and renewal and Early Reallocation 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 initial, renewal, and Early
                Reallocation Trigger Rates, Caps, and Participation Rates, or we may need to substitute an Index. You bear the risk that we may reduce Trigger Rates, Caps, and Participation Rates, which reduces your opportunity to receive positive
                Performance Credits.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Investment in Derivative Hedging Instruments</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">At Contract issue, we invest a substantial majority of the initial Contract Value 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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 Trigger
                Rates, Caps, and Participation Rates for existing Contracts.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Risks of Deducting Financial Adviser Fees from the Contract</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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. Once authorized by you, 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 will 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 a 10% additional federal tax if you are younger than age 59</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color: #000000; font-family: Times New Roman;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;">2</font><font style="color: #000000; font-family: Times New Roman;">). </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Please consult with your Financial Professional before requesting us to pay financial adviser fees
                from this Contract rather than from other assets you may have.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Our Financial Strength and Claims-Paying Ability</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">We make Annuity Payments, and pay death benefits 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. We apply Performance Credits from an unregistered, non-unitized, non-insulated separate account (</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Separate Account IANA</font><font style="color: #000000; font-family: Times New Roman;">). Like our general account, the assets in Separate Account IANA are subject to
                our general business operation liabilities and the claims of our creditors, and are also subject to our financial strength and claims-paying ability. For more information on Separate Account IANA, see section 12, Other Information &#8211; Our
                Unregistered Separate Account.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
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              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
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            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;25&#8201;</font></div>
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            <div style="margin-top:0.0%;">
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                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">As a result of the COVID-19 pandemic and interrelated market factors
                            (e.g., market volatility changes in interest rates, </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">rising inflation, actions by governmental authorities), economic
                            uncertainties have arisen which could negatively impact </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allianz Life&#8217;s net income and surplus. The extent to which the COVID-19
                            pandemic and these other market factors will </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">impact our business, net income, and surplus, as well as our capital
                            and liquidity position, will depend on future </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">developments, which are highly uncertain. For more information see
                            section 13, Information on Allianz Life &#8211; Business </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and Operational Risks Relevant to the Contract.</font></div>
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            <div style="line-height: 12.0pt; margin-top: 12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Regulatory Protections</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Allianz Life 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 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 10.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">The Contract is filed with and approved by each state in which the Contract is offered. State insurance laws provide a variety of
                regulatory protections.</font></div>
            <div style="line-height: 13.0pt; margin-top: 11.5pt;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 12.0pt; position: relative; top: -2pt; width: 494pt;"><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:lowercase;">1.</font><font style="color:#000000;font-family:Arial;font-size:11pt;line-height:13pt;text-transform:uppercase;">&#8194;</font><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">The Contract</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">An annuity is a contract between you as the Owner, and an insurance company (in this case Allianz Life), where you make payments to
                us and we invest that money in the Index Options you select. The AZL Government Money Market Fund holds the money you invest before it is transferred to the Index Options. Depending on market conditions, your Contract may gain or lose value
                based on the returns of your selected Index Options and the AZL Government Money Market Fund. 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">The Contract has an Accumulation Phase and an Annuity Phase.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">The </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Accumulation Phase</font><font style="color: #000000; font-family: Times New Roman;"> is the first phase of your Contract, and it begins on the Issue Date. During the Accumulation Phase, we invest your money in the Index Options you select and the AZL Government Money
                Market Fund 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.)</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">During the Accumulation Phase you can take withdrawals (subject to any withdrawal charge). You can also make additional Purchase
                Payments subject to the restrictions set out in section 3, Purchase Requirements. The Contract also offers at issue the optional Maximum Anniversary Value Death Benefit for an additional rider fee (see section 10) if all Owners and the
                Annuitant are age 75 or younger on the Issue Date. The Maximum Anniversary Value Death Benefit can only be added to a Contract at issue. The Maximum Anniversary Value Death Benefit potentially provides a death benefit greater than the
                Traditional Death Benefit based on the Maximum Anniversary Value (highest Contract Value on any Index Anniversary before age 91, increased by the dollar amount of subsequent Purchase Payments, and reduced proportionately for subsequent
                withdrawals you take including any withdrawal charge).</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">If you request Annuity Payments, the Accumulation Phase of your Contract ends and you enter the </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Annuity Phase</font><font style="color: #000000; font-family: Times New Roman;">. During the Annuity Phase we make regular fixed periodic Annuity Payments based on
                guaranteed period, life, life with a guaranteed period, joint and last survivor, or joint and 2/3 survivor. We send Annuity Payments to the </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Payee</font><font style="color: #000000; font-family: Times New Roman;"> (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.</font></div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
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              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
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            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">When the Accumulation Phase Ends</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">The Accumulation Phase ends upon the earliest of the following.</font></div>
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              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">The Business Day we process your request for a full withdrawal.</font></div>
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              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">The Business Day before the Annuity Date.</font></div>
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              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Upon the death of any Owner (or the Annuitant if the Owner is a non-individual), the Business Day
                    we first receive 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
                    Index Options and the AZL Government Money Market Fund until the complete distribution of the death benefit. A </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Valid Claim</font><font style="color: #000000; font-family: Times New Roman;"> is the documents we require to be received in Good Order at our Service Center before we pay any death claim.</font></div>
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            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Financial Adviser Fees</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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 and 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Once authorized by you, 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><font style="color: #000000; font-family: Times New Roman; 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</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;font-weight:bold;position:relative;top:-2.66pt;">&#8202;1</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;font-weight:bold;">2</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; line-height: 12pt;">
              </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">may apply, and the amount of Contract Value available for withdrawal may be affected by the Daily Adjustment </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">(which can be negative).</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; line-height: 12pt;"> </font><font style="color: #000000; font-family: Times New Roman;"> We deduct financial adviser fees (including any withdrawal charge) proportionately from each Index Option and the AZL Government Money Market Fund. 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><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;"> by more than the amount withdrawn and these reductions could be significant.</font><font style="color: #000000; font-family: Times New Roman;"> 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 any type of IRA Contract (including IRA, Roth IRA, and SEP IRA) 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><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Please consult with your Financial Professional before requesting us to pay financial adviser fees from this Contract rather than from other assets
                you may have.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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&#160;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 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">You can submit a written request to our Service Center on a form satisfactory to us to allow your financial adviser to make Index
                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
                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.</font></div>
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              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
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            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;27&#8201;</font></div>
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            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Financial Adviser Fee Deduction Example</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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 available Guaranteed Death Benefit Value by the percentage of Contract Value withdrawn.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">The example assumes a withdrawal of $5,000 once per year on days that are not Term End Dates to pay financial adviser fees starting
                when the Contract Value is $100,000, the Guaranteed Death Benefit Value under the Traditional Death Benefit is $90,000, and the Guaranteed Death Benefit Value under the Maximum Anniversary Value Death Benefit is $105,000. The first
                withdrawal assumes that there is no amount remaining under the free withdrawal privilege for that year, so that withdrawal is subject to an 8.5% withdrawal charge. Subsequent withdrawals are all taken under the free 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.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="line-height: 0.0pt;"> </div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="empty-cells:show;width:494pt;" id="z1a4d115fc34542a2a7651fdc1a7a751f">

                  <tr style="height:51pt;">
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:147.96pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:4pt;margin-right:3pt;padding-bottom:1pt;">
                          <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Financial Adviser Fee</font></div>
                          <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawal</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:93.03pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:3pt;margin-right:3pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Contract</font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Value</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:121.31pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:3pt;margin-right:3pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Guaranteed Death Benefit</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Value for a Contract with the</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Traditional Death Benefit</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:131.7pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:3pt;margin-right:4pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Guaranteed Death Benefit Value</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">for a Contract with the</font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Maximum Anniversary Value</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Death Benefit</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13.5pt;">
                    <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:147.96pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Prior to 1</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> years withdrawal</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:93.03pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 100,000</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:121.31pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 90,000</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:131.7pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 105,000</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12pt;">
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:147.96pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$5,000 withdrawal (subject to an</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:93.03pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:121.31pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:131.7pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13.5pt;">
                    <td style="padding-bottom:4pt;padding-top:2.5pt;vertical-align:Top;width:147.96pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">8.5% withdrawal charge)</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:93.03pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">&#8211; [($5,000 &#247; (1 &#8211; 8.5%)]</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:121.31pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:131.7pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:15pt;">
                    <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:147.96pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Amount withdrawn</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:93.03pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">&#8211; $5,465</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:121.31pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">&#8211; [($5,465 &#247; 100,000) x 90,000]</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:131.7pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">&#8211; [($5,465 &#247; 100,000) x 105,000]</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:15pt;">
                    <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:147.96pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:93.03pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:121.31pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">= - $4,919</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:131.7pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">= - $5,739</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13.5pt;">
                    <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:147.96pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">After 1</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> years withdrawal</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:93.03pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 94,535</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:121.31pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 85,081</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:131.7pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 99,261</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12pt;">
                    <td style="vertical-align:Top;width:147.96pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:93.03pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:121.31pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:131.7pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12pt;">
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:147.96pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Prior to 2</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">nd</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> years withdrawal</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:93.03pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 97,000</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:121.31pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 85,081</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:131.7pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 99,261</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12pt;">
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:147.96pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$5,000 withdrawal (not subject to a</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:93.03pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:121.31pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:131.7pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13.5pt;">
                    <td style="padding-bottom:4pt;padding-top:2.5pt;vertical-align:Top;width:147.96pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">withdrawal charge)</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:93.03pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">&#8211; $5,000</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:121.31pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">&#8211; [($5,000 &#247; 97,000) x 85,081]</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:131.7pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">&#8211; [($5,000 &#247; 97,000) x 99,261]</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:15pt;">
                    <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:147.96pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:93.03pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:121.31pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">= - $4,386</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:131.7pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">= - $5,117</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13.5pt;">
                    <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:147.96pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">After 2</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">nd</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> years withdrawal</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:93.03pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 92,000</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:121.31pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 80,695</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:131.7pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 94,414</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12pt;">
                    <td style="vertical-align:Top;width:147.96pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:93.03pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:121.31pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:131.7pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12pt;">
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:147.96pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Prior to 3</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">rd</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> years withdrawal</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:93.03pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 80,0000</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:121.31pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 80,695</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:131.7pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 94,414</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13.5pt;">
                    <td style="padding-bottom:4pt;padding-top:2.5pt;vertical-align:Top;width:147.96pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$5,000 withdrawal (not subject to a</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:4pt;padding-top:2.5pt;vertical-align:Top;width:93.03pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#8211; $5,000</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:121.31pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">&#8211; [($5,000 &#247; 80,000) x 80,695]</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:131.7pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">&#8211; [($5,000 &#247; 80,000) x 94,414]</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:15pt;">
                    <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:147.96pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">withdrawal charge)</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:93.03pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:121.31pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">= - $5,044</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:131.7pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">= - $5,844</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="padding-top:4pt;vertical-align:Top;width:147.96pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">After 3</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">rd</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> years withdrawal</font></div>
                      </div>
                    </td>
                    <td style="padding-top:4pt;vertical-align:Top;width:93.03pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 75,000</font></div>
                      </div>
                    </td>
                    <td style="padding-top:4pt;vertical-align:Top;width:121.31pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 75,651</font></div>
                      </div>
                    </td>
                    <td style="padding-top:4pt;vertical-align:Top;width:131.7pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 88,260</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height: 12.0pt; margin-top: 9pt;"><font style="color: #000000; font-family: Times New Roman;">The death benefit is the greater of the Contract Value, or the Guaranteed Death Benefit Value, so the death benefit would be:</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">$94,535 Contract Value under the Traditional Death Benefit, or the $99,261 Guaranteed Death
                    Benefit Value under the Maximum Anniversary Value Death Benefit after the first adviser fee deduction.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">$92,000 Contract Value under the Traditional Death Benefit, or the $94,414 Guaranteed Death
                    Benefit Value under the Maximum Anniversary Value Death Benefit after the second adviser fee deduction.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">$75,651 Guaranteed Death Benefit Value under the Traditional Death Benefit, or the $88,260
                    Guaranteed Death Benefit Value under the Maximum Anniversary Value Death Benefit after the third adviser fee deduction.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">When the Contract Ends</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">The Contract ends when:</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">all applicable phases of the Contract (Accumulation Phase and/or Annuity Phase) have ended, and/or</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">if we received a Valid Claim, all applicable death benefit payments have been made.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 10.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">For example, if you take a full withdrawal of the total Cash 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.</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;28&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_16"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 13.0pt;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 0pt; top: -2pt; width: 494pt;"><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:lowercase;">2.</font><font style="color:#000000;font-family:Arial;font-size:11pt;line-height:13pt;text-transform:uppercase;">&#8194;</font><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Ownership, Annuitant, Determining Life,
                Beneficiary, and Payee</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Owner</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Qualified Contract</font><font style="color: #000000; font-family: Times New Roman;"> is purchased under a pension or retirement plan that qualifies for special tax treatment under sections of the Code.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Joint Owner</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">A Non-Qualified Contract can be owned by up to two individual Owners </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">(Joint Owners)</font><font style="color: #000000; font-family: Times New Roman;">. Joint Owners must be spouses within the meaning of federal tax law. We generally require the signature of both Joint Owners on any
                forms that are submitted to our Service Center.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Annuitant</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">You cannot change the Annuitant if the Owner is a non-individual</font><font style="color: #000000; font-family: Times New Roman;">. 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">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><font style="color: #000000; font-family: Times New Roman;">. For more examples, please see the Appendix A to the Form N-4 SAI. </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Use care when designating Owners and Annuitants, and consult your Financial Professional if you have questions</font><font style="color: #000000; font-family: Times New Roman;">.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="line-height: 0.0pt;"> </div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="empty-cells:show;width:494pt;" id="z7af3ca94f3544e50bd7161eedf653be9">

                  <tr style="height:12.25pt;">
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Bottom;width:494pt;" colspan="2">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">UPON THE DEATH OF A SOLE OWNER</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:16pt;">
                    <td style="padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Bottom;width:247pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-right:9pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Action if the Contract is in the Accumulation Phase</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Bottom;width:247pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:9pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Action if the Contract is in the Annuity Phase</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:196.75pt;">
                    <td style="padding-top:2.25pt;vertical-align:Top;width:247pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;We pay a death benefit to the Beneficiary unless the </font></div>
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Beneficiary is the surviving spouse and continues the Contract.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font></div>
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;If the deceased Owner was a Determining Life and the </font></div>
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">surviving spouse Beneficiary continues the Contract:</font></div>
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:14pt;">&#8211;&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.5pt;">we increase the Contract Value to equal the Guaranteed </font></div>
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28pt;">Death Benefit Value if greater and available, and the </font></div>
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28pt;">death benefit ends,</font></div>
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:14pt;">&#8211;&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.5pt;">the surviving spouse becomes the new Owner, and</font></div>
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:14pt;">&#8211;&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.5pt;">upon the surviving spouse&#8217;s death, his or her </font></div>
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28pt;">Beneficiary(s) receives the Contract Value.</font></div>
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;If the deceased Owner was not a Determining Life, the </font></div>
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Traditional Death Benefit&#160;or Maximum Anniversary Value Death </font></div>
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Benefit are not available and the Beneficiary(s) receives the </font></div>
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Contract Value.</font></div>
                      </div>
                    </td>
                    <td style="padding-top:2.25pt;vertical-align:Top;width:247pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;The Beneficiary becomes the Payee. If we are still required to </font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">make Annuity Payments under the selected Annuity Option, the </font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Beneficiary also becomes the new Owner.</font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;If the deceased was not an Annuitant, Annuity Payments to the </font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Payee continue. No death benefit is payable.</font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;If the deceased was the only surviving Annuitant, Annuity </font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Payments end or continue as follows.</font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:14pt;">&#8211;&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.5pt;">Annuity Option A or C, payments end when the </font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28pt;">guaranteed period ends.</font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:14pt;">&#8211;&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.5pt;">Annuity Option B, F, or G, payments end.</font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:14pt;">&#8211;&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.5pt;">For more information on the Annuity Options, please see </font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28pt;">section 8.</font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194; If the deceased was an Annuitant and there is a surviving joint </font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Annuitant, Annuity Payments to the Payee continue during the </font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">lifetime of the surviving joint Annuitant. No death benefit is </font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">payable.</font></div>
                      </div>
                    </td>
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              </table>
            </div>
            <div style="line-height: 12.0pt; margin-top: 12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Determining Life (Lives)</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">The Determining Life (Lives) are the individuals on whose life we base the Guaranteed Death Benefit Value provided by the Traditional
                Death Benefit&#160;or Maximum Anniversary Value 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:</font></div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">you remove a Joint Owner due to divorce, then we also remove that person as a Determining Life,</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">you add or change a Joint Owner, then&#160;that person will become a Determining Life if they are the
                    current spouse within the meaning of federal tax law&#160;of an existing Owner, or&#160;</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;29&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_17"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div>
              <div style="clear:both;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Beneficiary</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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 within 120 hours of each other, that Beneficiary&#8217;s interest in this Contract ends unless
                your Beneficiary designation specifies otherwise. If there are no surviving primary Beneficiaries, we pay the death benefit to the contingent Beneficiaries who survive you. 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.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="zef4d9b9d370b443789186d4601117461">

                  <tr style="height:50pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:4.15pt;">FOR JOINTLY OWNED CONTRACTS:</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> The sole primary
                            Beneficiary is the surviving Joint Owner regardless of </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">any other named primary Beneficiaries. If both Joint Owners die within
                            120 hours of each other, we pay the death </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">benefit to the named contingent Beneficiaries or equally to the estate
                            of the Joint Owners if there are no named </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">contingent Beneficiaries.</font></div>
                      </div>
                    </td>
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                  <tr style="height:34pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:1.9pt;">NAMING AN ESTATE AS A BENEFICIARY:</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> If an estate is the
                            Beneficiary, the estate must be the sole primary </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">Beneficiary, unless the Spouse is the sole primary Beneficiary. If the
                            Spouse is the sole primary Beneficiary, then an </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">estate can be a contingent beneficiary.</font></div>
                      </div>
                    </td>
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              </table>
            </div>
            <div style="line-height: 12.0pt; margin-top: 12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Payee</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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, we may allow you to name a charitable trust, financial institution, qualified plan, or an individual specified in a court order as a Payee subject to our approval. For
                Qualified Contracts owned by a qualified plan, the qualified plan must be the Payee.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Assignments, Changes of Ownership and Other Transfers of Contract Rights</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">The Contract cannot be assigned without our consent. You must submit your request to assign the Contract in writing to our Service
                Center. We will not consent if the assignment would violate or result in noncompliance with any applicable state or federal law or regulation.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">We record the assignment&#160;as of the date you signed the request, unless you specify otherwise. 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><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Good Order</font><font style="color: #000000; font-family: Times New Roman;">&#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.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z59dd29b1701f4e3e96d239473c08d576">

                  <tr style="height:38pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.15pt;">An assignment may be a taxable event</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">. In addition, there are other
                            restrictions on changing the ownership of a </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">Qualified Contract and Qualified Contracts generally cannot be assigned
                            absolutely or on a limited basis. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">You should </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">consult with your tax adviser before
                            assigning this Contract</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font></div>
                      </div>
                    </td>
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                  <tr style="height:34pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:1.9pt;">An assignment will only change the Determining Life (Lives) if it involves removing a Joint Owner due to </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">divorce, replacing Joint Owners with a Trust, or adding
                            a Joint Owner if that person is a spouse within the </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">meaning of federal tax law of the existing Owner.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height: 13.0pt; margin-top: 16pt;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 16.0pt; position: relative; top: -2pt; width: 494pt;"><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:lowercase;">3.</font><font style="color:#000000;font-family:Arial;font-size:11pt;line-height:13pt;text-transform:uppercase;">&#8194;</font><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Purchasing the Contract</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Purchase Requirements</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">To purchase this Contract, on the Issue Date all Owners and the Annuitant must be:</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">age 85 or younger, or</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">age 75 or younger if you select the Maximum Anniversary Value Death Benefit.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;30&#8201;</font></div>
          </div>
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      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_18"></a>
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            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">The Purchase Payment requirements for this Contract are as follows.</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">The minimum initial Purchase Payment due on the Issue Date is $10,000.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">We restrict additional Purchase Payments.</font><font style="color: #000000; font-family: Times New Roman;"> Each Index Year during the Accumulation Phase you cannot add more than your initial amount without our prior approval. Your initial amount is all Purchase Payments received before the first Quarterly
                    Contract Anniversary of the first Contract Year. We allow you to add up to the initial amount in the remainder of the first Index Year. The minimum additional Purchase Payment we will accept is $50.</font></div>
              </div>
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            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">We do not accept additional Purchase Payments on or after the Annuity Date.</font></div>
              </div>
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            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">The maximum total Purchase Payments we accept without our prior approval is $1 million.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">We may, at our sole discretion, waive the minimum Purchase Payment requirements.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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 the AZL Government Money Market Fund before we transfer it to your selected Index Options. If the Issue Date is the same as the Index Effective Date we allocate your initial
                Purchase Payment to the Index Options. If the Issue Date is not the Index Effective Date we hold your initial Purchase Payment 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">We may terminate your ability to make additional Purchase Payments because we reserve the right to decline any
                or all Purchase Payments at any time on a nondiscriminatory basis</font><font style="color: #000000; font-family: Times New Roman;">. This applies to Contracts issued in all states except as disclosed in Appendix D. If mandated under
                applicable law, we may be required to reject a Purchase Payment. We will decline a Purchase Payment we receive on the same Business Day that we receive in Good Order a request for full withdrawal, or Contract cancellation during the free
                look period. </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">If we exercise our right to decline additional Purchase Payments, this may limit your ability to fund your Contract&#8217;s guaranteed benefits
                such as the Traditional Death Benefit or Maximum Anniversary Value Death Benefit.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Applications Sent Electronically</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.
                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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Allocation of Purchase Payments and Contract Value Transfers</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">The allocation instructions you provide on your application automatically become your default allocation instructions. We use these
                allocation instructions for all Purchase Payments we receive unless you change them. </font><font style="color: #000000; font-family: Times New Roman; 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><font style="color: #000000; font-family: Times New Roman;"> As a result, we hold Purchase Payments 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 most recent allocation instructions. For additional Purchase Payments we receive after the Index
                Effective Date, this transfer occurs on the next Index Anniversary. We apply any Purchase Payments 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">We only allow Index Option Value transfers between Index Options on Term End Dates unless you
                execute a Performance Lock. If you execute a Performance Lock you can transfer out of a locked Index Option to another Index Option on the Index Anniversary that occurs on or immediately after the Lock Date, or on the Business Day we
                execute your request for an Early Reallocation. We do not allow assets to move into an established Index Option until the Term </font></div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;31&#8201;</font></div>
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      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
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      <div> <a name="xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_19"></a>
        <div style="page-break-after:always;position:relative;">
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            <div style="line-height: 12.0pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">End Date. If you request to transfer into an established Index Option on a date that is not a Term End Date, we
                will transfer those assets into the same Index Option with a new Term Start Date.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="line-height: 0.0pt;"> </div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z458d3efc9f33414e97c06b763734ac3b">

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                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:145.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">On your application if you select&#8230;</font></div>
                      </div>
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                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:348.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Your Index Effective Date will be either&#8230;</font></div>
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                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:145.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the earliest Index Effective Date</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:348.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;your Issue Date, or</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;the first Business Day of the next month if the Issue Date is the
                            29th, 30th, or 31st of a </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">month</font></div>
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                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:145.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the deferred Index Effective Date</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:348.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;your first Quarterly Contract Anniversary, or</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;the next Business Day if the first Quarterly Contract Anniversary
                            occurs on a non-Business </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Day, or the first Business Day of the next month if the first
                            Quarterly Contract Anniversary </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">is the 29th, 30th, or 31st of a month</font></div>
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                  </tr>

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            </div>
            <div style="line-height: 12.0pt; margin-top: 9pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">You should be aware that, generally, initial Trigger Rates, Caps, and Participation Rates 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-family: Times New Roman; font-weight: bold; text-decoration: underline;">allianzlife.com/RILAratesnf</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;"> and cannot be superseded until that period ends. If you select an Index Effective Date that is within the guaranteed period for the initial rates that are available
                for review on the Issue Date, you will receive the initial rates that were available on the Issue Date. However, if you select an Index Effective Date that is after this guaranteed period, you are subject to the risk that initial Trigger
                Rates, Caps, and Participation Rates may change and be less advantageous to you. Furthermore, if your Index Effective Date is after the end of the free look period and you cancel your Contract, you will receive the Cash Value. On or before
                the Index Effective Date you are&#160;</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">not</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">&#160;subject
                to the Daily Adjustment.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;"> You may review future rates at least
                seven calendar days before their effectiveness at </font><font style="color: #0000FF; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">allianzlife.com/RILAratesnf</font><font style="color: #000000; font-family: Times New Roman; 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><font style="color: #000000; font-family: Times New Roman;">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="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">You can change your allocation 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 allocation instructions from any Owner unless you instruct otherwise. We may allow you to authorize someone else to change these allocation instructions on your behalf.
              </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Changes to your allocation instructions will transfer existing Index Option Values on the Term End Date</font><font style="color: #000000; font-family: Times New Roman;">.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">We notify you at least 30 days in advance of each Index Anniversary as a reminder that on the upcoming anniversary you may transfer
                Index Option Value between Index Options. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">You request transfers between Index Options by changing your allocation instructions.</font><font style="color: #000000; font-family: Times New Roman;"> For more information, see the &#8220;Electronic Allocation Instructions&#8221; discussion next in this section. On each Term End Date, if we have not received allocation instruction changes from
                you all assets invested continue to be invested in the same Index Options&#160;with a new Term Start Date at the renewal Trigger Rates, Caps, and Participation Rates.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">We can add new Crediting Methods, Terms, 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 or Floor after it is established. For a new Index Option the minimum Buffer is 5% and the minimum Floor is -25%. However, we can change the renewal Trigger Rates, Caps, and Participation
                Rates associated with any Index Option on each Term Start Date, and Early Reallocation rates, subject to the guaranteed minimums.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">We must receive all Index Option allocation instruction changes (which will transfer your Index Option Values) in Good Order at our
                Service Center before the end of the Business Day on the Term End Date (or the next Business Day if the Term End Date is a non-Business Day).</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
          </div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;32&#8201;</font></div>
          </div>
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      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_20"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z794c8db8e3fd45a69162995dbcd37e1f">

                  <tr style="height:38pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.15pt;">In order to apply Purchase Payments we receive </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">after</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> the Index Effective Date to your selected Index Option(s) on </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">the next Index Anniversary, we must receive them </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">before</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> the end of the Business Day on the Index Anniversary (or </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">before the end of the </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">prior</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">
                            Business Day if the anniversary is a non-Business Day).</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font></div>
                      </div>
                    </td>
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                  <tr style="height:34pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:1.9pt;">Purchase Payments we hold in the AZL Government Money Market before transferring them to your selected </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">Index Options are subject to Contract
                            fees and expenses (e.g. contract maintenance charge), and</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;"> market risk and </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">may lose value.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height: 12.0pt; margin-top: 12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Electronic Allocation Instructions</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">We use reasonable procedures to confirm that electronic 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 allocation instruction change,
                and to discontinue or modify our electronic instruction privileges at any time for any reason.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Free Look/Right To Examine Period</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">If you change your mind about the Contract, you can cancel it within the free look period stated on the first page of your
                Contract. In most states, this is ten calendar days after you receive the Contract. If you cancel your Contract during the free look period, in most states 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. In states that require us to return Purchase Payments less withdrawals if you cancel your Contract, we return Contract Value if greater.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">IRA Contracts require us to return Purchase Payments less withdrawals. If you cancel your IRA Contract, we return the greater of
                Purchase Payments less withdrawals or Contract Value.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">If your cancellation request occurs after the Index Effective Date, your Contract Value will include the Daily Adjustment.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Some states and certain IRA Contracts require return of Purchase Payments. For these Contracts, we reserve the right to hold your
                initial Purchase Payment in the AZL Government Money Market Fund until the free look period ends, and then re-allocate your Contract Value, 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. Currently we only exercise this right on certain
                Contracts issued in California as noted in Appendix D. If we hold your initial Purchase Payment in the AZL Government Money Market Fund during the free look period and the requested Index Effective Date would occur during this time, we
                change your Index Effective Date to the next Business Day after the free look period that is not the 29th, 30th or 31st of the month. Then, if you:</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">cancel your Contract during this time, we return the greater of Purchase Payments less
                    withdrawals, or Contract Value. 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.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">do not cancel your Contract during this time, we re-allocate your Contract Value to the Index
                    Options according to your Purchase Payment default instructions on the Index Effective Date.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 10.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">In the Contract, the free look provision is also called the right to examine.</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;33&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_21"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 13.0pt;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 0pt; top: -2pt; width: 494pt;"><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:lowercase;">4.</font><font style="color:#000000;font-family:Arial;font-size:11pt;line-height:13pt;text-transform:uppercase;">&#8194;</font><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Valuing Your Contract</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Your Contract Value is the total of the Variable Account Value and all Index Option Values.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="line-height: 0.0pt;"> </div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z7cd4252478f648408187823958617b8d">

                  <tr style="height:13.5pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:247pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Variable Account Value increases when&#8230;.</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:247pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Variable Account Value decreases when&#8230;.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:87pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:247pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;you make additional Purchase Payments and we hold them in </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the AZL Government Money Market Fund before transferring </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">them to your selected Index Options, or</font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;there is positive AZL Government Money Market Fund </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">performance</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:247pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;we take assets out of the AZL Government Money Market </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Fund for withdrawals (including financial adviser fees that you </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">choose to have us pay from this Contract) or transfers to your </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">selected Index Options,</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;there is negative AZL Government Money Market Fund </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">performance, or</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;we deduct Contract fees and expenses</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:35.5pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:494pt;" colspan="2">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.00pt;">Contract fees and
                            expenses we deduct from the AZL Government Money Market Fund include the rider fee, contract </font></div>
                        <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">maintenance charge, and withdrawal charge&#160;
                            as described in section 6, Expenses.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;"> Financial adviser fees that you choose </font></div>
                        <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">to have us pay from this Contract are
                            described in section 1, The Contract.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height: 12.0pt; margin-top: 9pt;"><font style="color: #000000; font-family: Times New Roman;">The AZL Government Money Market Fund does not provide any protection against loss of principal. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">You can lose principal and previous earnings for Purchase Payments held in the AZL Government Money Market Fund</font><font style="color: #000000; font-family: Times New Roman;">.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="line-height: 0.0pt;"> </div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z226a31d43949460d9d8059f01c577f0c">

                  <tr style="height:13.5pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:247pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Index Option Values increase when&#8230;.</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:247pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Index Option Values decrease when&#8230;.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:87pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:247pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;you add assets to an Index Option by Purchase Payment or </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Contract Value transfer, or</font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;you receive a positive Performance Credit or Daily Adjustment</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:247pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;you take assets out of an Index Option by </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawal&#160;(including any financial adviser fees that you </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">choose to have us pay from this Contract) or Contract Value </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">transfer,</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;you receive a negative Performance Credit or Daily </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Adjustment, or</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;we deduct Contract fees and expenses</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:35.5pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:494pt;" colspan="2">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.00pt;">Contract fees and
                            expenses we deduct from the Index Options include the rider fee, contract maintenance charge, and </font></div>
                        <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">withdrawal charge&#160; as described in section
                            6, Expenses. Financial adviser fees that you choose to have us pay from this </font></div>
                        <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Contract are described in section 1, The
                            Contract.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height: 12.0pt; margin-top: 9pt;"><font style="color: #000000; font-family: Times New Roman;">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 Term End Dates. 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 Term Start Date or the Term End Date.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Performance Credits are subject to the applicable Buffer, Floor, Trigger Rate, Cap, and/or Participation Rate</font><font style="color: #000000; font-family: Times New Roman;">. 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 20%
                Buffer&#160;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><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">A negative Performance Credit means that you can lose principal and previous earnings. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">These losses can be
                significant.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">We require that the Contract Value after a partial withdrawal must be at least $2,000.* </font><font style="color: #000000; font-family: Times New Roman; 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>
              <div style="clear:both;margin-top:1.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 10pt; width: 4pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">*</font></div>
                <div style="float: left; line-height: 10pt; margin-left: 14pt; width: 471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">Does not apply to RMD payments under our minimum distribution program.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Determining Variable Account Value</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">The Separate Account holds the assets for the 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, one of which invests exclusively in the shares of the AZL Government Money Market Fund.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">We convert Purchase Payments held in the AZL Government Money Market Fund into subaccount accumulation units. The subaccount&#8217;s
                daily price (accumulation unit value) is based on the AZL Government Money Market Fund&#8217;s price. The AZL Government Money Market Fund&#8217;s price is typically determined at the end of each Business Day,</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;"> and any Purchase </font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;34&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_22"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Payment received at or after the end of the current Business Day receives the next Business Day&#8217;s price</font><font style="color: #000000; font-family: Times New Roman;">. The AZL Government Money Market Fund's price reflects deduction of its operating expenses.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">We calculate your Variable Account Value at the end of each Business Day by multiplying the subaccount&#8217;s accumulation unit value by
                its number of accumulation units.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">On the Issue Date, the number of accumulation units in the 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:</font></div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">increase</font><font style="color: #000000; font-family: Times New Roman;">
                    when we add Purchase Payments to the AZL Government Money Market Fund, and</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">decrease</font><font style="color: #000000; font-family: Times New Roman;">
                    when assets are removed from the AZL Government Money Market Fund by transfer, withdrawals you request&#160;(including any financial adviser fees that you choose to have us pay from this Contract), or when we deduct Contract fees and
                    expenses.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">We arbitrarily set the initial accumulation unit value for the subaccount. At the end of each Business Day, we determine the new
                accumulation unit value for the subaccount by multiplying the prior Business Day&#8217;s accumulation unit value by the AZL Government Money Market Fund&#8217;s percentage change in price since the prior Business Day. The percentage change in price
                includes the AZL Government Money Market Fund&#8217;s market performance.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-decoration: underline;">Example</font></div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">We receive at our Service Center an additional Purchase Payment of $3,000 from you before the end
                    of the Business Day.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">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 the AZL Government Money Market Fund.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">We then divide $3,000 by $13.25 and credit your Contract that night with 226.415094 subaccount
                    accumulation units for the AZL Government Money Market Fund.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">How the Crediting Methods Work</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">The </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Protection Strategy with Trigger</font><font style="color: #000000; font-family: Times New Roman;"> provides a Performance Credit equal to the Trigger Rate if the Index Value on the Term End Date is equal to or greater than the Index Value on the Term Start Date, regardless of the
                amount of actual Index Return. If the current Index Value is less than it was on the Term Start Date, the Performance Credit is zero.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">The </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Precision Strategy</font><font style="color: #000000; font-family: Times New Roman;"> provides a Performance Credit.</font></div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">If the Index Value on the Term End Date is equal to or greater than the Index Value on the Term
                    Start Date, regardless of the amount of actual Index Return, the Performance Credit is equal to the Trigger Rate.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">If the Index Return is negative and the loss is:</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; margin-left: 14pt; width: 10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 3.37pt; width: 461.00pt;"><font style="color: #000000; font-family: Times New Roman;">less than or equal to the 10% Buffer, the Performance Credit is zero. We absorb any loss up to
                    the 10% Buffer.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; margin-left: 14pt; width: 10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 3.37pt; width: 461.00pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">The </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Guard Strategy</font><font style="color: #000000; font-family: Times New Roman;"> also provides a Performance Credit.</font></div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">If the Index Return is positive, the Performance Credit is equal to the Index Return up to the
                    Cap.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">If the Index Value on the Term End Date is equal to the Index Value on the Term Start Date, the
                    Performance Credit is zero.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">If the Index Return is negative, the negative Performance Credit is equal to the negative Index
                    Return down to the -10% Floor. You participate in any losses down to the -10% Floor. We absorb any negative Index Return beyond the -10% Floor.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">The </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Performance Strategy</font><font style="color: #000000; font-family: Times New Roman;"> also provides a Performance Credit.</font></div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.0pt;"><font style="color: #000000; font-family: Times New Roman;">If the Index Return is positive, the Performance Credit is equal to:</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; margin-left: 14pt; width: 10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 3.37pt; width: 461.00pt;"><font style="color: #000000; font-family: Times New Roman;">the Index Return up to the Cap for a 1-year Term. If the 1-year Term is uncapped, the Performance
                    Credit is equal to the Index Return.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; margin-left: 14pt; width: 10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 3.37pt; width: 461.00pt;"><font style="color: #000000; font-family: Times New Roman;">Index Return multiplied by the Participation Rate, up to the Cap for a 3-year or&#160;6-year Term. If
                    the 3-year or&#160;6-year Term is uncapped, the Performance Credit is equal to the Index Return&#160;multiplied by the Participation Rate. We apply the Participation Rate and Cap for the entire Term length; we do </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">not</font><font style="color: #000000; font-family: Times New Roman;"> apply the Participation Rate and Cap annually on a 3-year or&#160;6-year Term.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">If the Index Value on the Term End Date is equal to the Index Value on the Term Start Date, the
                    Performance Credit is zero.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;35&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_23"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div>
              <div style="clear:both;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">If the Index Return is negative and the loss is:</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; margin-left: 14pt; width: 10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 3.37pt; width: 461.00pt;"><font style="color: #000000; font-family: Times New Roman;">less than or equal to the 10% or 20% Buffer, the Performance Credit is zero. We absorb any loss
                    up to the 10% or 20% Buffer. We apply the Buffer for the entire Term length; we do </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">not</font><font style="color: #000000; font-family: Times New Roman;"> apply the Buffer annually on a 3-year or&#160;6-year Term Index Option.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; margin-left: 14pt; width: 10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 3.37pt; width: 461.00pt;"><font style="color: #000000; font-family: Times New Roman;">greater than the 10% or 20% Buffer, the negative Performance Credit is equal to the negative
                    Index Return in excess of the 10% or 20% Buffer. You participate in any losses beyond the 10% or 20% Buffer.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z709a0be0ae32424fa35cd999d20c8c6f">

                  <tr style="height:38pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.15pt;">The Index Precision Strategy, Index Guard Strategy, and Index Performance Strategy allow negative </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">Performance Credits. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">A negative Performance Credit means you can lose principal and previous earnings. These </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">losses could be significant.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:36pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:1.9pt;">Because we calculate Index Returns only on a single date in time, you may experience negative or flat </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">performance even though the Index you selected for a
                            given Crediting Method experienced gains through </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">some, or most, of the Term.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:34pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:1.9pt;">If a </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">an Index Performance Strategy Index Option is
                            &#8220;uncapped&#8221; for one Term (i.e., we do not declare a Cap </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">for that Term) it does not mean that we will not
                            declare a Cap for it on future Term Start Dates.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> On the next </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">Term Start Date we can declare a Cap for the next Term, or declare it to
                            be uncapped.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height: 12.0pt; margin-top: 12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Comparing Crediting Methods</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">The Crediting Methods have different risk and return potentials.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="line-height: 0.0pt;"> </div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z0069b42aec604924b2651cfb6d948dba">

                  <tr style="height:15pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:494.0pt;" colspan="2">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">What is the asset protection?</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:38pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Protection </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy with Trigger</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Most protection.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;If the Index loses value, the Performance Credit is zero. You do not
                            receive a negative Performance </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Credit.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:110pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Precision Strategy</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Less protection than the Index Protection Strategy with Trigger and
                            Index Guard Strategy. Protection </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">may be equal to or less than what is available with the Index
                            Performance Strategy depending on the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Option.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Buffer absorbs 10% of loss, but you receive a negative Performance
                            Credit for losses greater than </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">10%.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Potential for large losses in any Term.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;More sensitive to large negative market movements because small
                            negative market movements are </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">absorbed by the 10% Buffer. In a period of extreme negative market
                            performance, the risk of loss is </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">greater with the Index Precision Strategy than with the Index Guard
                            Strategy.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:110pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Guard Strategy</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Less protection than the Index Protection Strategy with Trigger, but
                            more than Index Precision </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Strategy and Index Performance Strategy.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Permits a negative Performance Credit down to the -10% Floor.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Protection from significant losses.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;More sensitive to smaller negative market movements that persist over
                            time because the -10% Floor </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">reduces the impact of large negative market movements.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;In an extended period of smaller negative market returns, the risk of
                            loss is greater with the Index </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Guard Strategy than with the Index Performance Strategy and Index
                            Precision Strategy.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Provides certainty regarding the maximum loss in any Term.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:143pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Performance </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Less protection than the Index Protection Strategy with Trigger and
                            Index Guard Strategy. 3-year </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Term Index Options with 20% Buffer have more protection than what is
                            available with the Index </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Precision Strategy.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Buffer absorbs 10% or 20% of loss depending on the Index Option you
                            select, but you receive a </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">negative Performance Credit for losses greater than the Buffer.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Potential for large losses in any Term.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;More sensitive to large negative market movements because small
                            negative market movements are </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">absorbed by the Buffer. In a period of extreme negative market
                            performance, the risk of loss is greater </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">with the Index Performance Strategy than with the Index Guard
                            Strategy.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;In extended periods of moderate to large negative market performance,
                            3-year and 6-year Terms may </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">provide less protection than the 1-year Terms because, in part, the
                            Buffer is applied over a longer </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">period of time.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;36&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_24"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 0.0pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:1pt;margin-left:7.34pt;">&#8195;</font></div>
            <div style="line-height: 0.0pt;"> </div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z5768d73a9fbe43659db1f0becd8ee5e5">

                  <tr style="height:15pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:494.0pt;" colspan="2">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">What is the growth opportunity?</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:50pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Protection </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy with Trigger</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Growth opportunity limited by the Trigger Rates.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Least growth opportunity.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;May perform best in periods of small positive market movements.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;These Trigger Rates will generally be less than Caps and the Index
                            Precision Strategy Trigger Rates.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:74pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Precision Strategy</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Growth opportunity limited by the Trigger Rates.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;May perform best in periods of small positive market movements.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Generally more growth opportunity than the Index Protection Strategy
                            with Trigger, but less than the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Performance Strategy.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Growth opportunity may be more or less than the Index Guard Strategy
                            depending on Trigger Rates </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">and Caps.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:62pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Guard Strategy</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Growth opportunity limited by the Caps.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;May perform best in a strong market.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Growth opportunity that generally may be matched or exceeded only by
                            the Index Performance </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Strategy. However, growth opportunity may be more or less than the
                            Index Precision Strategy or </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Performance Strategy depending on Trigger Rates and Caps.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:107pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Performance </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Growth opportunity limited by the Caps and/or Participation Rates. </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">If we do not declare a Cap for a </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">3-year or&#160;6-year Term Index Option
                            there is no maximum limit on the positive Index Return for </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">that Index Option. In addition, you
                            can receive more than the positive Index Return if the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">Participation Rate applies and is
                            greater than its 100% minimum.&#160;However, the Participation </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">Rate cannot boost Index Returns
                            beyond a declared Cap.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;May perform best in a strong market.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Generally the most growth opportunity. However, growth opportunity
                            may be less than the Index </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Precision Strategy or Index Guard Strategy depending on Trigger Rates,
                            Caps, and/or Participation </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Rates.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height: 0.0pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:1pt;margin-left:7.34pt;">&#8195;</font></div>
            <div style="line-height: 0.0pt;"> </div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="zfb2276544c134cb99233f8b1c2b4ae3a">

                  <tr style="height:15pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:494.0pt;" colspan="2">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">What can change within a Crediting Method?</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:38pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Protection </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy with Trigger</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Renewal and Early Reallocation Trigger Rates for existing Contracts
                            can change on each Term Start </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Date.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8211;&#8194;1-year Term has a 0.10% minimum Trigger Rate.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:74pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Precision Strategy</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Renewal and Early Reallocation Trigger Rates for existing Contracts
                            can change on each Term Start </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Date.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8211;&#8194;1-year Term has a 0.10% minimum Trigger Rate.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;The 10% Buffers for the currently available Index Options cannot
                            change. However, if we add a new </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Option to your Contract after the Issue Date, we establish the
                            Buffer for it on the date we add </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the Index Option to your Contract. The minimum Buffer is 5% for a new
                            Index Option.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:62pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Guard Strategy</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Renewal and Early Reallocation Caps for existing Contracts can change
                            on each Term Start Date.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8211;&#8194;1-year Term has a 0.10% minimum Cap.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;The -10% Floors for the currently available Index Options cannot
                            change. However, if we add a new </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Option to your Contract after the Issue Date, we establish the
                            Floor for it on the date we add the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Option to your Contract. The minimum Floor is -25% for a new
                            Index Option.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:95pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Performance </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Renewal and Early Reallocation Caps and/or Participation Rates for
                            existing Contracts can change on </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">each Term Start Date.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8211;&#8194;1-year Term with 10% Buffer has a 0.10% minimum Cap.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8211;&#8194;3-year Term with 10% or 20% Buffer has a 2% minimum Cap, and 100%
                            minimum Participation Rate.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8211;&#8194;6-year Term with 10% Buffer has a 5% minimum Cap, and 100% minimum
                            Participation Rate.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;The 10% or 20% Buffers for the currently available Index Options
                            cannot change. However, if we add </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">a new Index Option to your Contract after the Issue Date, we establish
                            the Buffer for it on the date we </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">add the Index Option to your Contract. The minimum Buffer is 5% for a
                            new Index Option.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height: 0.0pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:1pt;margin-left:7.34pt;">&#8195;</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;37&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_25"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z2c1adb709f40424f976368e65d30f25d">

                  <tr style="height:62pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">For any Index Option with the</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> Index Precision Strategy or Index Performance Strategy,</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">you participate in any </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.78pt;">negative Index Return in excess of
                            the Buffer</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">, which reduces your Contract Value. For example, for a 10% Buffer we </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">absorb the first -10% of Index Return and you could lose up to 90% of
                            the Index Option Value. However, for any </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">Index Option with the </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Guard Strategy</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">, </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">we absorb any negative Index Return in excess of the -10% Floor, so </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.78pt;">your maximum loss is limited to
                            -10% of the Index Option Value due to negative Index Returns.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:36pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Trigger Rates, Caps, and Participation Rates as set by us from
                            time-to-time may vary substantially based on market </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">conditions. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">However, in extreme market environments, it is possible that all Trigger Rates, Caps, and Participation </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.78pt;">Rates will be reduced to their
                            respective minimums of 0.10%, 2%, 5%, or 100% as stated in the table&#160;above.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:24pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;If your Contract is within its free look period you may be able to
                            take advantage of any increase in initial Trigger </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">Rates, Caps, and/or Participation Rates by cancelling your Contract
                            and purchasing a new Contract.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:24pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;If the initial Trigger Rates, Caps, and/or Participation Rates
                            available on the Index Effective Date are not acceptable </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">you have the following options.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:36pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8211;&#8194;Cancel your Contract if you are still within the free look period. If
                            you took a withdrawal that was subject to a </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10pt;">withdrawal charge (including financial adviser fees that you choose to
                            have us pay from this Contract) we will refund </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10pt;">any previously deducted withdrawal charge upon a free look cancellation.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8211;&#8194;Request to extend your Index Effective Date if you have not reached
                            your first Quarterly Contract Anniversary.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:36pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8211;&#8194;If the free look period has expired, request a full withdrawal&#160;and
                            receive the Cash Value. If this occurs </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">on or before</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10pt;">the Index Effective Date, you are </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">not</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">
                            subject to the Daily Adjustment. If this occurs </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">after</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> the Index Effective Date, </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10pt;">you&#160;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">are</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> subject to the Daily Adjustment.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:84pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Trigger Rates, Caps, and Participation Rates can be different from Index Option to Index Option. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">For example, </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">Caps for the Index Performance Strategy 1-year Terms can be different
                            between the S&amp;P 500</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Index and the </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">Nasdaq-100</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Index; and Caps for the S&amp;P 500</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Index can be
                            different between 1-year, 3-year, and 6-year Terms on </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">the Index Performance Strategy, and between the 1-year Terms for the
                            Index Guard Strategy and Index Performance </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">Strategy. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Initial, renewal, and Early Reallocation rates may also be different from Contract-to-Contract.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> For </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">example, assume that on August 3, 2023 we set Caps for the Index
                            Performance Strategy 1-year Term with 10% Buffer </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">using the S&amp;P 500</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Index as
                            follows:</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8211;&#8194;13% initial rate&#160;and 12% Early Reallocation rate for new Contracts
                            issued in 2023,</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8211;&#8194;14% renewal rate&#160;and 14% Early Reallocation rate for existing
                            Contracts issued in 2022, and</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:10pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8211;&#8194;12% renewal rate&#160;and 13% Early Reallocation rate for existing
                            Contracts issued in 2021.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height: 12.0pt; margin-top: 12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Bar Chart Examples of Crediting Method Performance</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">The following hypothetical examples show conceptually how the Crediting Methods might work in different market environments and
                assume no change in the hypothetical Trigger Rates, Caps, and/or Participation Rates. All values below are for illustrative purposes only. The examples do not reflect any Trigger Rates, Caps, and/or Participation Rates that may actually
                apply to a Contract. The examples do not predict or project the actual performance of the Index Advantage+ NF</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Times New Roman;">. 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 Term End Date&#160;(including any financial adviser fees that you choose to have us pay from this Contract), or deductions we make for Contract fees and expenses.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;38&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
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        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;z-index:-1;min-height:670pt;">
            <div style="margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">[To be updated by amendment]</font> <br>
              <img src="img49f50d721.jpg" alt=" " style="height:303pt;width:488pt;"><font style="color: #000000; font-family: Times New Roman; line-height: 12pt; margin-left: 0%;">&#8201;</font> <br>
              <img src="imgf81441692.jpg" alt=" " style="height:311pt;width:489pt;"><font style="color: #000000; font-family: Times New Roman; line-height: 12pt; margin-left: 0%;">&#8201;</font></div>
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          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
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          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;39&#8201;</font></div>
          </div>
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      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
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        <div style="page-break-after:always;position:relative;">
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            <div> <img src="img687715553.jpg" alt=" " style="height:301pt;width:486pt;"><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;">&#8201;</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
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          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;40&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
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        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;z-index:-1;min-height:670pt;">
            <div style="margin-top: 6pt;"> <img src="img5f3f14124.jpg" alt=" " style="height:305pt;width:496pt;"><font style="color: #000000; font-family: Times New Roman; line-height: 1pt;">&#8201;</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;41&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_29"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;z-index:-1;min-height:670pt;">
            <div> <img src="img877f193c5.jpg" alt=" " style="height:457pt;width:477pt;"><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;">&#8201;</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Determining Index Option Values</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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 Term Start Date or the Term End Date. The Daily Adjustment can be positive or negative and is discussed later
                in this section.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">On the first Term Start 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:</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">any Purchase Payment received that day which you allocated to that Index Option, and</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">any Contract Value transferred into that Index Option.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">At the end of each subsequent Business Day for each selected Index Option, we first either apply:</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">the Daily Adjustment if this is not the Term End Date, or</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">a Performance Credit if this is the Term End Date.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;42&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_30"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">We calculate Performance Credits as described under &#8220;Calculating Performance Credits&#8221; next in this section and apply them as follows:</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.0pt;"><font style="color: #000000; font-family: Times New Roman;">We multiply each Index Option Base by its Performance Credit and add this amount to its Index
                    Option Base.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Then we set each Index Option Value equal to its Index Option Base.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Lastly, we increase and/or decrease each Index Option Base and Index Option Value for additional Purchase Payments, transfers,
                partial withdrawals you take&#160;(including&#160;financial adviser fees that you choose to have us pay from this Contract and any withdrawal charge), and deductions we make for Contract fees and expenses.</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Additional Purchase Payments received on the Term End Date 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.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Transfers out of this Index Option reduce these values by the dollar amount removed from the Index
                    Option.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Partial withdrawals you take&#160;(including&#160;financial adviser fees that you choose to have us pay from
                    this Contract and any withdrawal charge), and deductions we make for Contract fees and expenses reduce these values by the dollar amount withdrawn from the Index Option.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; margin-left: 14pt; width: 10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 3.37pt; width: 461.00pt;"><font style="color: #000000; font-family: Times New Roman;">We deduct partial withdrawals you take&#160;(including&#160;financial adviser fees that you choose to have
                    us pay from this Contract and 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.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; margin-left: 14pt; width: 10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 3.37pt; width: 461.00pt;"><font style="color: #000000; font-family: Times New Roman;">We then reduce each Index Option Base by the same percentage that the amount withdrawn reduced
                    its associated Index Option Value.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-decoration: underline;">Example</font></div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">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).</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">This partial withdrawal reduces your Index Option Value by the percentage of Contract Value in
                    each Index Option (Index Option Value &#247; Contract Value).</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; margin-left: 14pt; width: 10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 3.37pt; width: 461.00pt;"><font style="color: #000000; font-family: Times New Roman;">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%).</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">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).</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; margin-left: 14pt; width: 10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 3.37pt; width: 461.00pt;"><font style="color: #000000; font-family: Times New Roman;">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%).</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Deductions we make for Contract fees and expenses also reduce these values proportionately in the
                    same way as a partial withdrawal.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 0.0pt; margin-top: 6pt;"> </div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="empty-cells:show;width:494pt;" id="z727fcb14531a447d943b092d2dc05552">

                  <tr style="height:15pt;">
                    <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Bottom;width:176.8pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:158.10pt;" colspan="2">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:3pt;margin-right:3pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">First Index Option</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:159.10pt;" colspan="2">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:3pt;margin-right:4pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Second Index Option</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:15pt;">
                    <td style="padding-bottom:4pt;padding-top:1.5pt;vertical-align:Bottom;width:176.8pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:80.18pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:3pt;margin-right:3pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Option Value</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:77.92pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:3pt;margin-right:3pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Option Base</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:80.18pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:3pt;margin-right:3pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Option Value</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:78.92pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:3pt;margin-right:4pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Option Base</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13.5pt;">
                    <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:176.8pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Prior to partial withdrawal</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:80.18pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 75,000</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:77.92pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 72,000</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:80.18pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 25,000</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:78.92pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 22,000</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13.5pt;">
                    <td style="padding-bottom:4pt;padding-top:2.5pt;vertical-align:Top;width:176.8pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$10,000 partial withdrawal</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:80.18pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">&#8211; $7,500</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:77.92pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">&#8211; $7,200</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:80.18pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">&#8211; $2,500</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:78.92pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">&#8211; $2,200</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13.5pt;">
                    <td style="vertical-align:Top;width:176.8pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:80.18pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:77.92pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:80.18pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:78.92pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:9.5pt;">
                    <td style="padding-top:2.5pt;vertical-align:Top;width:176.8pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">After partial withdrawal</font></div>
                      </div>
                    </td>
                    <td style="padding-top:2.5pt;vertical-align:Top;width:80.18pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 67,500</font></div>
                      </div>
                    </td>
                    <td style="padding-top:2.5pt;vertical-align:Top;width:77.92pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 64,800</font></div>
                      </div>
                    </td>
                    <td style="padding-top:2.5pt;vertical-align:Top;width:80.18pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 22,500</font></div>
                      </div>
                    </td>
                    <td style="padding-top:2.5pt;vertical-align:Top;width:78.92pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 19,800</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height: 0.0pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:1pt;margin-left:0%;">&#8195;</font></div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z0ac65ba55a0a414c8d3b0d69792f3ed6">

                  <tr style="height:50pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.15pt;">Amounts removed from the Index Options during the Term for partial withdrawals you take&#160;(including any </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">financial adviser fees that you choose to have us pay
                            from this Contract) and deductions we make for Contract </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">fees and expenses do not receive a Performance Credit
                            on the Term End Date</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">. However, the remaining amount </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">in the Index Options is eligible for a Performance Credit on the Term
                            End Date.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:34pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">You cannot specify from which Index Option or the AZL Government Money Market Fund (if applicable) we deduct </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">Contract fees and expenses; we deduct Contract fees and&#160;expenses from
                            each Index Option and the AZL Government </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">Money Market Fund proportionately based on its percentage of Contract
                            Value.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;43&#8201;</font></div>
          </div>
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      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
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      <div> <a name="xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_31"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt; margin-top: 12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Calculating Performance Credits</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">We base Performance Credits on Index Values and Index Returns. We measure Index Values on the Term Start Date and Term End Date
                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 Term Start Date or Term End Date is a non-Business Day we use the next Business Day&#8217;s Index
                price. If you select the EURO STOXX 50</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;">, we determine Index
                Returns without any exchange rate adjustment. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Because we calculate Index Returns only on Term End Dates, the Index Return does not
                necessarily reflect the highest or lowest Index Values that occurred during the Term.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="line-height: 0.0pt;"> </div>
            <div style="margin-top:6pt;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="za277cf94071d4e098690066b4c80094f">

                  <tr style="height:39pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:92.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Crediting Method </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">and Term Length</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:200.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">If Index Value is less than it was on
                            the</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Term Start Date</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">(i.e., Index Return is negative):</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:201pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">If Index Value is equal to or greater
                            than it was </font></div>
                        <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">on the Term Start Date</font></div>
                        <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">(i.e., Index Return is zero or positive):</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:37pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:92.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Protection </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy with Trigger </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">1-year Term</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:200.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Credit is zero</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:201pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Credit is equal to the Trigger Rate set </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">on the Term Start Date</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:66pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:92.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Precision </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy 1-year Term</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:200.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Credit is equal to the negative Index </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Return in excess of the 10% Buffer</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">If the Index Return is&#8230;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;-8%, the Performance Credit is zero.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;-12%, the Performance Credit is -2%.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:201pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Credit is equal to the Trigger Rate set </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">on the Term Start Date</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:77.5pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:92.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Guard Strategy </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">1-year Term</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:200.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Credit is equal to the negative Index </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Return subject to the -10% Floor</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">If the Index Return is&#8230;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;-8%, the Performance Credit is -8%.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;-12%, the Performance Credit is -10%.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:201pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Credit is equal to the Index Return up </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to the Cap set on the Term Start Date</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Assume the Cap is 8%. If the Index Return is&#8230;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;0%, the Performance Credit is zero.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;6%, the Performance Credit is 6%.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;12%, the Performance Credit is 8%.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:112pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:92.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Performance </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy 1-year Term</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:200.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Credit is equal to the negative Index </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Return in excess of the 10% Buffer.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">If the Index Return for the year is&#8230;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;-8%, the Performance Credit is zero.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;-12%, the Performance Credit is -2%.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:201pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Credit is equal to the Index Return up </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to any Cap set on the Term Start Date</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Assume the Cap for the 1-year Term is 8%. If the </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index Return for the year is&#8230;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;0%, the Performance Credit is zero.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;6%, the Performance Credit is 6%.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;12%, the Performance Credit is 8%. </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">If instead the </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">1-year Term were uncapped, the
                            Performance </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">Credit is 12%</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:172.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:92.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Performance </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy 3-year Term</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:200.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Credit is equal to the negative Index </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Return in excess of the 10% or 20% Buffer.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Assume you select a 3-year Term Index Option with </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">10% Buffer. If the Index Return for the Term is&#8230;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;-19%, the Performance Credit is -9%.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;-24%, the Performance Credit is -14%.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">If instead you select a 3-year Term Index Option with </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">20% Buffer. If the Index Return for the Term is&#8230;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;-19%, the Performance Credit is 0%.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;-24%, the Performance Credit is -4%.</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:201pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Credit is equal to the Index Return </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">multiplied by the Participation Rate, up to any Cap </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">set on the Term Start Date</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Assume the Participation Rate is 100% and the Cap </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">is 80%. If the Index Return for the Term is&#8230;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;0%, the Performance Credit is zero.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;65%, the Performance Credit is 65%.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;90%, the Performance Credit is 80%.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">If instead the Participation Rate is
                            110% and the </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">3-year Term were uncapped</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, then if the Index </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Return for the Term is&#8230;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;0%, the Performance Credit is zero.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;65%, the Performance Credit is 71.5%.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;90%, the Performance Credit is 99%.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;44&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_32"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="margin-top:6pt;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="ze9aefb5c93c542f38603433db35d1a2f">

                  <tr style="height:39pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:92.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Crediting Method </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">and Term Length</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:200.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">If Index Value is less than it was on
                            the </font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Term Start Date</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">(i.e., Index Return is negative):</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:201pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">If Index Value is equal to or greater
                            than it was </font></div>
                        <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">on the Term Start Date</font></div>
                        <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">(i.e., Index Return is zero or positive):</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:172.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:92.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Performance </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy 6-year Term</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:200.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Credit is equal to the negative Index </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Return in excess of the 10% Buffer.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">If the Index Return for the Term is&#8230;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;-19%, the Performance Credit is -9%.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;-24%, the Performance Credit is -14%.</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:201pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Credit is equal to the Index Return </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">multiplied by the Participation Rate, up to any Cap </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">set on the Term Start Date</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Assume the Participation Rate is 100% and the Cap </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">is 95%. If the Index Return for the Term is&#8230;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;0%, the Performance Credit is zero.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;65%, the Performance Credit is 65%.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;90%, the Performance Credit is 90%.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">If instead the Participation Rate is
                            110% and the </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">6-year Term were uncapped</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, then if the Index </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Return for the Term is&#8230;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;0%, the Performance Credit is zero.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;65%, the Performance Credit is 71.5%.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;90%, the Performance Credit is 99%.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height: 12.0pt; margin-top: 12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Daily Adjustment</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">The Daily Adjustment is how we calculate Index Option Values on Business Days other than the Term Start Date or Term End Date. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">The AZL Government Money Market Fund is not subject to the Daily Adjustment.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">The Daily Adjustment can affect the amounts available for withdrawal, Performance Locks, annuitization, payment of the death
                benefit, and the Contract Value used to determine the Charge Base&#160;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 Term
                Start Date. When it is negative, your Index Option Value has decreased (excluding the effect of the deduction of Contract expenses or any partial withdrawal). The Daily Adjustment for the Index Protection Strategy with Trigger cannot be
                negative.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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 choose to have us pay from this Contract. However, the Daily Adjustment calculation is not affected by any Contract fee or 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">The Daily Adjustment approximates the Index Option Value that will be available on the Term End Date. It is the estimated present
                value of the future Performance Credit that we will apply on the Term End Date. The Daily Adjustment takes into account:</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; margin-left: 10pt; width: 9.43pt;"><font style="color: #000000; font-family: Times New Roman;">(i)</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 10.57pt; width: 459.00pt;"><font style="color: #000000; font-family: Times New Roman;">any Index gains during the Term subject to the applicable Trigger&#160;Rate, Cap, and/or
                    Participation Rate,</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; margin-left: 10pt; width: 12.2pt;"><font style="color: #000000; font-family: Times New Roman;">(ii)</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 7.8pt; width: 459.00pt;"><font style="color: #000000; font-family: Times New Roman;">either any Index losses greater than the 10% or 20% Buffer, or Index losses down to the -10%
                    Floor&#160;(not applicable to the Index Protection Strategy with Trigger), and</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; margin-left: 10pt; width: 14.97pt;"><font style="color: #000000; font-family: Times New Roman;">(iii)</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 5.03pt; width: 459.00pt;"><font style="color: #000000; font-family: Times New Roman;">the number of days until the Term End Date.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">The Daily Adjustment does this by using the hypothetical value of a Proxy Investment </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">(Proxy Value)</font><font style="color: #000000; font-family: Times New Roman;"> each Business Day, other than the Term Start Date or Term End Date, based on the formulas described in
                Appendix B. The </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Proxy Investment</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font><font style="color: #000000; font-family: Times New Roman;">provides a current estimated present value of what the Performance Credit will be on the Term End Date taking into account the applicable Buffer, Floor, Trigger Rate, Cap, and/or Participation Rate.
                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 or Floor. </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">In extreme circumstances the Daily Adjustment could result in a loss beyond the protection of the 10% or 20% Buffer, or -10% Floor, but
                it cannot result in a total loss of -100%. </font><font style="color: #000000; font-family: Times New Roman; 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 style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;45&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_33"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">A withdrawal taken during the Term may not receive the full benefit of the Buffer or Floor because the Daily Adjustment takes into
                account what may potentially happen between the withdrawal date and the Term End Date. All other factors being equal, even if the current Index return during the Term is greater than the Cap or Index Precision Strategy Trigger Rate&#160;, the
                Daily Adjustment will usually be lower than the Cap or Index Precision Strategy Trigger Rate&#160;. For the Index Protection Strategy with Trigger, even if the current Index return during the Term is greater than or equal to zero, the Daily
                Adjustment will usually be lower than the Trigger Rate. This is because there is a possibility that the Index return could decrease before the Term End Date. Similarly, even though a negative Index return may be within the 10% or 20%
                Buffer&#160;for the Index Precision Strategy and Index Performance Strategy, you still may receive a negative Daily Adjustment because there is a possibility that the Index Return could decrease before the Term End Date. The Daily Adjustment for
                Index Options with a Term length of more than 1-year may be more negatively impacted by changes in the expected volatility of Index prices than 1-year Term Index Options due to the difference in Term length. Also, the risk of a negative
                Daily Adjustment is greater for Index Options with a Term length of more than 1-year than for 1-year Term Index Options due to the Term length. 3-year and 6-year Term Index Options with a Participation Rate above 100% may also have larger
                fluctuations in the Daily Adjustment than Index Options either without a Participation Rate, or with a&#160;Participation Rate equal to 100%. Finally, a negative Index return for the Index Guard Strategy may result in you receiving a Daily
                Adjustment lower than the -10% Floor, because the Daily Adjustment reflects the present value of the Floor and you will not receive the full benefit of the -10%&#160;Floor until the&#160;Term End Date.</font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;"> A negative Daily Adjustment may cause you to realize loss of principal and previous earnings.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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><font style="color: #0000FF; font-family: Times New Roman;">allianzlife.com</font><font style="color: #000000; font-family: Times New Roman;">.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Performance Locks and Early Reallocations</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">We must receive a 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 Term End Dates. For requests submitted in writing, we do not consider the request to be
                received until it arrives at our Service Center.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">You (or your Financial Professional, if authorized) can request a Performance Lock based on targets you set only through your
                account on our website. You can set upper and/or lower targets for each Index Option each Term.</font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;"> Setting a target close to the current
                Index Option Value return (or close to the Daily Adjustment once Contract Value is reduced to zero) may cause a Performance Lock to occur very quickly.</font><font style="color: #000000; font-family: Times New Roman;"> 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 Term End Date.</font><font style="color: #000000; font-family: Times New Roman; 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">A Performance Lock can be executed once each Term for each Index Option. We will not execute a Performance Lock on Index Protection
                Strategy with Trigger Index Options if the Daily Adjustment is zero. A Performance Lock applies to the total Index Option Value in an Index Option, and not just a portion of that Index Option. 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><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">prior</font><font style="color: #000000; font-family: Times New Roman;">
                Business Day. After the Lock Date, the Index Option Value stays in the locked Index Option for the remainder of the Index Year&#160;unless you execute an Early Reallocation. Daily Adjustments do not apply to a locked Index Option for the
                remainder of the Index Year and the locked Index Option Value will not receive a Performance Credit. 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.&#160;&#160;However, a locked Index Option Value can decrease if you take a partial withdrawal (including financial adviser fees that you choose to have us pay from this Contract) or when we deduct a Contract fee or expense. On the next
                Index Anniversary that occurs on or 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 Term. If you do not provide us with transfer instructions, the Index Option Value will remain in the same Index Option&#160;with a new Term Start Date subject to the renewal Trigger Rate, Cap, and Participation Rate for the new Term.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
          </div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;46&#8201;</font></div>
          </div>
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      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
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            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">You can also transfer assets out of a locked Index Option by requesting an Early Reallocation. You can request an Early Reallocation
                only through your account on our website. We do not accept Early Reallocation requests within 14 calendar days before an Index Anniversary and you are limited to two Early Reallocation requests each Index Year. However, each request can
                involve multiple locked Index Options. You can execute a Performance Lock and Early Reallocation on the same Business Day. After your second Early Reallocation request in an Index Year, any locked Index Options will remain locked until the
                next Index Anniversary. These limitations mean you may not be able to take advantage of any increases to Early Reallocation rates, or any advantageous changes to Index values when they become available.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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&#160;on an Index Precision Strategy, Index Guard Strategy, or Index Performance Strategy Index Option. Because we transfer assets out of a locked Index Option on the Index Anniversary that occurs on or
                immediately after the Lock Date, executing a Performance Lock can also allow you to transfer assets out of a 3-year or 6-year Term Index Option before the Term End Date if you execute the lock on or before the second Index Anniversary of a
                3-year Term, or on or before the fifth Index Anniversary of a 6-year Term.&#160;If the Index Anniversary occurs on a non-Business Day, the Performance Lock must be executed before the end of the </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">prior</font><font style="color: #000000; font-family: Times New Roman;"> Business Day in order to transfer assets out of a 3-year or 6-year Term Index Option before the Term
                End Date.&#160;Executing an Early Reallocation on a locked Index Option can also allow you to transfer assets out of an Index Option before the Term End Date. The disadvantage of executing a Performance Lock is that the relevant Index Value
                could increase by the Term End Date, and you will not participate in that increase. In addition, if you execute a Performance Lock&#160;on an Index Precision Strategy, Index Guard Strategy, or Index Performance Strategy Index Option, you may
                receive less than the full protection of the Buffer or Floor that you would have received if you waited for us to apply the Performance Credit on the Term End Date.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Early Reallocation Example.</font><font style="color: #000000; font-family: Times New Roman;"> Assume your Index
                Anniversary occurs on January 1st, and by June 15th you have locked four Index Options. You could submit an Early Reallocation request on July 17th for one Index Option, and a second request on August 14th for two more Index Options.
                However, after August 14th we will not accept any additional Reallocation Request for the remainder of the Index Year, so your one remaining locked Index Option will stay locked until the next Index Anniversary. Although you are unable to
                execute an Early Reallocation for the remainder of the Index Year, you can continue to execute Performance Locks on any unlocked Index Options.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z10c0f344482c4c7fb7d31815316b874e">

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                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">We will not provide advice or notify
                            you regarding whether you should execute a Performance Lock&#160;or Early </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Reallocation or the optimal time for
                            doing so. We will not warn you if you execute a Performance Lock&#160;or Early </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Reallocation at a sub-optimal time.
                            We are not responsible for any losses related to your decision whether or not to </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">execute a Performance Lock&#160;or Early
                            Reallocation.</font></div>
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              </table>
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            <div style="line-height: 13.0pt; margin-top: 16pt;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 16.0pt; position: relative; top: -2pt; width: 494pt;"><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:lowercase;">5.</font><font style="color:#000000;font-family:Arial;font-size:11pt;line-height:13pt;text-transform:uppercase;">&#8194;</font><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">AZL Government Money Market Fund</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Information regarding the AZL Government Money Market Fund, including its (i) investment objective, (ii)
                investment adviser and subadviser, (iii) current expenses, and (iv) performance is available in Appendix E &#8211; Variable Investment Option Under the Contract. The AZL Government Money Market Fund has issued a prospectus that contains more
                detailed information about the fund. You should read the prospectus for the fund carefully before investing. The fund&#8217;s prospectus and other information can be found online at </font><font style="color: #0000FF; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">allianzlife.com/variableoptions</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">. 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. We send you the current copy of the AZL Government Money Market Fund's prospectus when we issue the Contract.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">There are potential risks associated with the AZL Government Money Market Fund's investment strategies. Depending on market
                conditions, you can gain or lose value by investing in the AZL Government Money Market Fund. In the future, we may add, eliminate or substitute variable investment options to the extent permitted by the federal securities laws and, when
                required, the SEC.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Currently, the AZL Government Money Market Fund is not a publicly available mutual fund. It is available only as a variable
                investment option 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. The AZL Government Money Market Fund's Board of Directors monitors for material conflicts, and determines what
                action, if any, should be taken to address any conflicts.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
          </div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;47&#8201;</font></div>
          </div>
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      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
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            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">The AZL Government Money Market Fund's name, investment objectives and policies 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 AZL Government Money Market Fund's investment results may be higher or lower than these other
                portfolios&#8217; results. The investment advisers cannot guarantee, and make no representation, that these similar portfolios' investment results will be comparable even though the AZL Government Money Market Fund has the same name, investment
                advisers, objectives, and policies.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">The AZL Government Money Market Fund pays 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 AZL Government Money Market Fund's advisers,
                distributors and/or affiliates for administrative services and benefits we provide to the AZL Government Money Market Fund. The compensation amount usually is based on the AZL Government Money Market Fund's 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">We offer other variable annuity contracts that may invest in the AZL Government Money Market Fund. 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Allianz Investment Management LLC, the AZL Government Money Market Fund's investment adviser, is affiliated with us through common
                ownership.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Substitution and Limitation on Holdings</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">We may substitute another variable investment option for the AZL Government Money Market Fund 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. A new or substitute variable investment option may have
                different fees and expenses. We may limit the amount of additional Purchase Payments held in the AZL Government Money Market Fund if marketing, tax or investment considerations warrant, or for any reason in our sole discretion. We may also
                close the AZL Government Money Market Fund. The fund companies that sell shares of the AZL Government Money Market Fund to us, pursuant to participation agreements, may end those agreements and discontinue offering us their shares.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Excessive Trading and Market Timing</font><font style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;">&#8195;</font></div>
            <div style="margin-top:0.0%;">
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                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Currently the Contract does not offer any variable investment options
                            to which you can allocate money. If we were to </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">offer variable investment options in the future they would be subject
                            to the following provisions.</font></div>
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              </table>
            </div>
            <div style="line-height: 12.0pt; margin-top: 9pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Frequent transfers, programmed transfers, transfers into and then out of a variable investment 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.</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Dilution of the interests of long-term investors in a variable investment option, if market timers
                    or others transfer into a variable investment option at prices that are below their true value, or transfer out at prices above their true value.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">An adverse effect on portfolio management, such as causing a variable investment option to
                    maintain a higher level of cash or causing a variable investment option to liquidate investments prematurely.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Increased brokerage and administrative expenses.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">We attempt to protect our Owners and the variable investment 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 investment options as follows:</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Limit transfer frequency (for example, prohibit more than one transfer a week, or more than two a
                    month, etc.).</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.0pt;"><font style="color: #000000; font-family: Times New Roman;">Restrict the transfer method (for example, requiring all transfers be sent by first-class U.S. mail
                    and rescinding electronic transfer privileges).</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
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            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;48&#8201;</font></div>
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      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
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            <div>
              <div style="clear:both;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Require a minimum time period between each transfer into or out of the same variable investment
                    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 investment option, or transfers out of and back into
                    the same variable investment option.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Refuse transfer requests made on your behalf by an asset allocation and/or market timing service.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Limit the dollar amount of any single Purchase Payment or transfer request to a variable
                    investment option.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Prohibit transfers into specific variable investment options.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.0pt;"><font style="color: #000000; font-family: Times New Roman;">Impose other limitations or restrictions to the extent permitted by federal securities laws.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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 investment 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 investment option returns. Similarly, rapid or frequent trading
                may cause a variable investment option to incur excessive transaction fees, which also could affect performance.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">deter</font><font style="color: #000000; font-family: Times New Roman;"> 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 investment option, we may prohibit
                transfers into or Purchase Payment allocations to that variable investment 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">We cannot guarantee the following.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Our monitoring will be 100% successful in detecting all potentially disruptive trading activity.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Revoking electronic transfer privileges will successfully deter all potentially disruptive
                    trading.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">In addition, some of the variable investment 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 investment options may not have adopted adequate market timing procedures, there is some risk that market timing activity may occur and negatively affect other Owners.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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 investment option&#8217;s shares are subject to acceptance by that variable investment option&#8217;s manager. We reserve the right to reject, without prior notice, any variable investment 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 investment options during a specified period; and (2) restrict your trading </font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;49&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_37"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Variable investment options may add or change policies designed to restrict market timing activities. For example, variable
                investment options may impose restrictions on transfers between variable investment options in an affiliated group if the investment adviser to one or more of the variable investment 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 investment option may impose a short-term trading fee on purchases and sales within a specified period. You should review
                the variable investment 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 investment
                option restrictions and actions taken by the variable investment options&#8217; managers.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z94ef6769af074aa0b964314a49ae9b87">

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

              </table>
            </div>
            <div style="line-height: 12.0pt; margin-top: 9pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Voting Privileges</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">We legally own the AZL Government Money Market Fund shares. However, when the AZL Government Money Market Fund 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">We determine your voting interest as follows:</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">You can provide voting instructions based on the dollar value of the AZL Government Money Market
                    Fund&#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.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.0pt;"><font style="color: #000000; font-family: Times New Roman;">You receive proxy materials and a voting instruction form.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 13.0pt; margin-top: 10.5pt;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 12.0pt; position: relative; top: -2pt; width: 494pt;"><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:lowercase;">6.</font><font style="color:#000000;font-family:Arial;font-size:11pt;line-height:13pt;text-transform:uppercase;">&#8194;</font><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Expenses</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;50&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_38"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Optional Benefit Additional Rider Fee</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold;">Maximum Anniversary Value Death Benefit</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">If you have the Maximum Anniversary Value Death Benefit, we deduct an additional 0.20% rider fee from your Contract Value. The
                rider 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 while your benefit is in effect as follows.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="line-height: 0.0pt;"> </div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z4266d13336724686a463217cdab25061">

                  <tr style="height:13.5pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:96.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Issue Date</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:198.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Non-Quarterly Contract Anniversaries</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:199pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Quarterly Contract Anniversaries*</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:231pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:96.5pt;" rowspan="2">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;The Charge Base is </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">equal to your initial </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Purchase Payment.</font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;We begin calculating </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">and accruing the </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">daily rider fee, </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">on </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">the day after the </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Issue Date.</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:198.5pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;First we calculate and accrue the daily rider fee, </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">using the Charge Base. If this is a non-Business </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Day we use the Charge Base from the end of the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">prior Business Day.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Then if this is a Business Day we </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">increase/decrease the Charge Base as follows.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">&#8211;&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">If we receive an additional Purchase </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Payment, we increase the Charge Base by </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">the dollar amount we receive.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">&#8211;&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">If you take a partial withdrawal&#160;(including any </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">financial adviser fees that you choose to have </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">us pay from this Contract), or we deduct </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Contract fees and expenses other than the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">withdrawal charge, we decrease the Charge </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Base by the percentage of Contract Value </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">withdrawn (including any withdrawal charge). </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">All withdrawals you take reduce the Charge </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Base, even Penalty-Free Withdrawals.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:199pt;" rowspan="2">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;First we process all daily transactions and </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">determine your Contract Value. Daily </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">transactions include any gains/losses due to AZL </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Government Money Market Fund performance or </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">application of any Daily Adjustment (or </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Performance Credit if this is also the Term End </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Date), any additional Purchase Payment, any </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">partial withdrawals you take (including financial </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">adviser fees that you choose to have us pay from </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">this Contract and any withdrawal charge), and </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">deductions we make for other Contract fees and </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">expenses </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">(including deduction of the accrued </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">daily rider fee for the prior
                            quarter). </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">All partial </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawals you take reduce the Charge Base, </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">even Penalty-Free Withdrawals.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">&#8211;&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">We deduct the accrued rider fee for the prior </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">quarter on a dollar for dollar basis from the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Contract Value, and proportionately from each </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Index Option and the AZL Government Money </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Market Fund.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Then we set the Charge Base equal to this </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Contract Value and we calculate and accrue the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">next quarter&#8217;s</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> daily rider fee using the newly set </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Charge Base.</font></div>
                      </div>
                      <div style="line-height:9.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">*</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;line-height:8pt;margin-left:0.0pt;">&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.31pt;">Or the next Business Day if the Quarterly Contract </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:9pt;">Anniversary is a non-Business Day.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:106pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:198.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:18.0pt;">Example:</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Contract Value is $125,000; Charge </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.0pt;">Base is $127,000; a $10,000 partial </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.0pt;">withdrawal (including any withdrawal charge) </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.0pt;">would decrease the Charge Base by $10,160. </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.0pt;">[($10,000 &#247; $125,000) x $127,000]</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.0pt;">Any increase/decrease to the Charge Base </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.0pt;">will increase/decrease the daily rider fee we </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.0pt;">calculate and accrue </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">on the next day.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11.5pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:494.0pt;" colspan="3">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Examples of how we
                            calculate the rider fee are included in Appendix C.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height: 12.0pt; margin-top: 9pt;"><font style="color: #000000; font-family: Times New Roman;">We no longer assess the 0.20% additional rider fee once we receive either the first Valid Claim from any one Beneficiary, or due
                proof of a Determining Life&#8217;s death if you and the Determining Life are different individuals and the Determining Life predeceases you. We deduct the final accrued additional rider fee before calculating the death benefit. If you take a
                full withdrawal or annuitize the Contract, we deduct the final accrued rider fee before processing the withdrawal or calculating Annuity Payments. The additional rider fee compensates us for the risks we assume under the Maximum Anniversary
                Value Death Benefit.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="zfdc5faa30332469da17aa31ebd088e5e">

                  <tr style="height:50pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.15pt;">When calculating the Maximum Anniversary Value, we deduct all Contract fees and expenses on the Index </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">Anniversary (including the accrued rider fee if this is also a Quarterly
                            Contract Anniversary) before we capture any </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">annual investment gains. However, we do not treat the deduction of the
                            accrued rider fee as a withdrawal when </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">calculating the Maximum Anniversary Value (see section 10).</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:34pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">If on a Quarterly Contract Anniversary (or the next Business Day if the Quarterly Contract Anniversary is a </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">non-Business Day) the Contract Value is less than the accrued rider fee,
                            we deduct your total remaining Contract </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">Value to cover the accrued rider fee and reduce your Contract Value to
                            zero.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;51&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_39"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt; margin-top: 12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Contract Maintenance Charge (Administrative Expenses)</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Your annual contract maintenance charge is $50. This charge is for Contract administration and maintenance expenses. We waive this
                charge as follows:</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">During the Accumulation Phase, if the Contract Value is at least $100,000 on the Contract
                    Anniversary.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">During the Annuity Phase&#160;if the Contract Value&#160;on the last Business Day before the Annuity Date is
                    at least $100,000.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.0pt;"><font style="color: #000000; font-family: Times New Roman;">When paying death benefits.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">During the Accumulation Phase, we deduct the contract maintenance charge:</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">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</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">we deduct it proportionately from each Index Option and the AZL Government Money Market Fund.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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. During the Annuity Phase, we deduct the contract maintenance charge proportionately from each
                Annuity Payment (e.g., if you request semi-annual Annuity Payments we deduct 50% of the contract maintenance charge from each Annuity Payment).</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Withdrawal Charge</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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 (excluding 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">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><font style="color: #000000; font-family: Times New Roman;"> Amounts withdrawn to pay financial adviser fees
                are subject to a withdrawal charge if they exceed the free withdrawal privilege&#160;during the Accumulation Phase, and will reduce the Contract Value and Guaranteed Death Benefit Value </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">(perhaps significantly</font><font style="color: #000000; font-family: Times New Roman;">).</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="line-height: 0.0pt;"> </div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z5cd61f2cb2ac479bb6057453dfb1e079">

                  <tr style="height:14.5pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:253.00pt;" colspan="2">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Calculating a Withdrawal Charge</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:241pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Example</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:75pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:253.00pt;" colspan="2">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">For purposes of calculating any withdrawal charge, we withdraw </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Purchase Payments on a &#8220;first-in-first-out&#8221; (FIFO) basis and we </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">process withdrawal requests as follows.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:241pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">You make an initial Purchase Payment of $55,000 and make </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">another Purchase Payment in the first month of the second </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Year of $45,000. In the third month of the third </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Year, your Contract Value is $110,000 and you </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">request a $70,000 withdrawal. We withdraw money and </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">compute the withdrawal charge as follows.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:63pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:253.00pt;" colspan="2">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;">&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">First we withdraw from Purchase Payments that we have had </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">for six or more complete years, which is your Contract&#8217;s </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">withdrawal charge period. This withdrawal is not subject to a </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">withdrawal charge and it reduces the Withdrawal Charge Basis </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">dollar for dollar.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:241pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;">&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Purchase Payments beyond the withdrawal charge </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">period.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> All payments are still within the withdrawal charge </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">period, so this does not apply.</font></div>
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                  <tr style="height:83.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:253.00pt;" colspan="2">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">2.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;">&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Amounts available as a Penalty-Free Withdrawal. This includes </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">partial withdrawals you take during the Accumulation Phase </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">under the free withdrawal privilege or waiver of withdrawal </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">charge benefit, and RMD payments you take under our </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">minimum distribution program. Penalty-Free Withdrawals are </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">not subject to a withdrawal charge, and they do not reduce the </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Withdrawal Charge Basis.</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:241pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">2</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;">&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Amounts available as a Penalty-Free Withdrawal.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> You </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">did not take any other withdrawals this year, so the entire </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">free withdrawal privilege (10% of your total Purchase </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Payments, or $10,000) is available to you without incurring a </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">withdrawal charge.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font></div>
                      </div>
                    </td>
                  </tr>

              </table>
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          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;52&#8201;</font></div>
          </div>
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      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
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      <div> <a name="xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_40"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z085d493a1860483d9da0184ebd5edcfa">

                  <tr style="height:14.5pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:253.00pt;" colspan="2">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Calculating a Withdrawal Charge</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:241pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Example</font></div>
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                    </td>
                  </tr>
                  <tr style="height:237pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:253.00pt;" colspan="2">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">3.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;">&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Next, on a FIFO basis, we withdraw from Purchase Payments </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">within your Contract&#8217;s withdrawal charge period and assess a </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">withdrawal charge. Withdrawing payments on a FIFO basis </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">may help reduce the total withdrawal charge because the </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">charge declines over time. We determine your total withdrawal </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">charge by multiplying each payment by its applicable </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">withdrawal charge percentage and then totaling the charges. </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">These withdrawals reduce the Withdrawal Charge Basis.</font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">The withdrawal charge as a percentage of each Purchase </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Payment withdrawn is as follows.</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:241pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">3</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;">&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Purchase Payments within the withdrawal charge period </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">on a FIFO basis.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> The total amount we withdraw from the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">first Purchase Payment is $55,000, which is subject to a 7% </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">withdrawal charge, and you receive $51,150. We determine </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">this amount as follows:</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">(</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">amount withdrawn) x (1 &#8211; withdrawal charge) = the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">amount you receive, or:</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">$55,000 x 0.93 = $51,150</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Next we withdraw from the second Purchase Payment.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">So far, you received $61,150 ($10,000 under the free </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">withdrawal privilege and $51,150 from the first Purchase </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Payment which is now reduced to zero), so we withdraw </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">$8,850 from the second Purchase Payment to equal the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">$70,000 you requested. The second Purchase Payment is </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">subject to an 8% withdrawal charge. We calculate the total </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">amount withdrawn and its withdrawal charge as follows:</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">(the amount you receive) &#247; (1 &#8211; withdrawal charge) = </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">amount withdrawn, or:</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">$8,850 &#247; 0.92 = $9,620.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:28.5pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:126.75pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:6pt;margin-right:5.75pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Number of Complete Years</font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Since Purchase Payment</font></div>
                        </div>
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                    </td>
                    <td style="background-color:#D8D8D8;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:126.25pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:5.75pt;margin-right:5.75pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Withdrawal Charge</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Amount</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:5.5pt;padding-top:2.125pt;vertical-align:Top;width:241pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:88.5pt;">
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:1.5pt;vertical-align:Top;width:126.75pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0</font></div>
                        <div style="margin-left:6pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1</font></div>
                        <div style="margin-left:6pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2</font></div>
                        <div style="margin-left:6pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3</font></div>
                        <div style="margin-left:6pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4</font></div>
                        <div style="margin-left:6pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5</font></div>
                        <div style="margin-left:6pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6 years or more</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:1.5pt;vertical-align:Top;width:126.25pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.5%</font></div>
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8%</font></div>
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7%</font></div>
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6%</font></div>
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5%</font></div>
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4%</font></div>
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:1.5pt;vertical-align:Top;width:241pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:86.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:253.00pt;" colspan="2">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">4.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;">&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Finally we withdraw any Contract earnings. This withdrawal is </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">not subject to a withdrawal charge and it does not reduce the </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Withdrawal Charge Basis.</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:241pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">4.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;">&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contract earnings.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> We already withdrew your requested </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">amount, so this does not apply.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">In total we withdrew $74,620 from your Contract, of </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">which you received $70,000 and paid a withdrawal </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">charge of $4,620. We also reduced the 1st Purchase </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">Payment from $55,000 to $0, and your 2nd Purchase </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">Payment from $45,000 to $35,380 ($45,000 &#8211;&#160;$9,620).</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height: 12.0pt; margin-top: 9pt;"><font style="color: #000000; font-family: Times New Roman;">Upon a full withdrawal, we first deduct any &#160;final rider 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 Index Option and the AZL Government Money Market Fund. If a partial withdrawal occurs on a
                day that we also deduct the rider fee and/or contract maintenance charge, we deduct these&#160;fees and expenses before we calculate and deduct the partial withdrawal and any withdrawal charge from the Contract Value.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">The withdrawal charge compensates us for expenses associated with selling the Contract.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold;">Reduction or Elimination of the Withdrawal Charge</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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 or any of its affiliates. Also, we may reduce or eliminate the withdrawal charge when a Contract is sold by a Financial </font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;53&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_41"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-family: Times New Roman;">Professional appointed with Allianz Life 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.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z9594eebb218a4a11a37fdafd924e7fa1">

                  <tr style="height:62pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.15pt;">Upon a full withdrawal the free withdrawal privilege is not available to you, and we apply a withdrawal charge </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">against Purchase Payments that are still within the withdrawal charge
                            period, including amounts previously </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">withdrawn under the free withdrawal privilege. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">On a full withdrawal your Withdrawal Charge Basis may be </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">greater than your Contract Value because the following
                            reduce your Contract Value, but do not reduce your </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">Withdrawal Charge Basis:</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">&#8211;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.5pt;">prior Penalty-Free Withdrawals,</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">&#8211;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.5pt;">deductions we make for Contract fees and expenses other than the withdrawal charge, and/or</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">&#8211;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.5pt;">poor performance.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:28pt;">This also means that upon a full
                            withdrawal you may not receive any money.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:60pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">Withdrawals (including any financial adviser fees that you choose to have us pay from this Contract)</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;"> </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> may also be </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">subject to </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">ordinary income taxes, and a 10% additional federal tax if you are under age 59</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;font-weight:bold;margin-left:0.0pt;">2</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">, and the
                            amount </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">of Contract Value available for withdrawal may be
                            affected by the Daily Adjustment</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;"> (which can be negative). </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">Please consult with your Financial
                            Professional before requesting us to pay financial adviser fees from this </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">Contract rather than from other
                            assets you may have.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:22pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">For tax purposes in most instances, withdrawals from Non-Qualified Contracts are considered to come from earnings </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">first, not Purchase Payments.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height: 12.0pt; margin-top: 12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Daily Adjustment Maximum Potential Loss</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">The Daily Adjustment is how we calculate Index Option Values on days other than the Term Start Date or Term End Date. The Daily
                Adjustment approximates the Index Option Value that will be available on the Term End Date. If before the Term End Date 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.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="line-height: 0.0pt;"> </div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="empty-cells:show;width:494pt;" id="z96f2ac6008704c4da961052a9c533bfd">

                  <tr style="height:58.5pt;">
                    <td style="padding-bottom:3.5pt;padding-top:3.5pt;vertical-align:Bottom;width:261.33pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:108.18pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:1pt;margin-right:4pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Protection Strategy</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">with Trigger</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:85.74pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:4pt;margin-right:4pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Precision</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Strategy</font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">and</font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Performance</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Strategy</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:38.75pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:4pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Guard</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Strategy</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.5pt;">
                    <td style="padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;width:261.33pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Daily Adjustment Maximum Potential Loss</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;width:108.18pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:48.165pt;margin-right:48.165pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-right:-10.0pt;">0%</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;width:85.74pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:34.665pt;margin-right:34.665pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28.66pt;margin-right:-10.0pt;">99%</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;width:38.75pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:8.17pt;margin-right:-10.0pt;">35%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:21pt;">
                    <td style="padding-top:2pt;vertical-align:Top;width:261.33pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">(as a percentage of Index Option Value, applies for distributions </font></div>
                        <div style="margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18pt;">from an Index Option before any Term End Date)</font></div>
                      </div>
                    </td>
                    <td style="padding-top:2pt;vertical-align:Top;width:108.18pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:48.165pt;margin-right:48.165pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-top:2pt;vertical-align:Top;width:85.74pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:34.665pt;margin-right:34.665pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28.66pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-top:2pt;vertical-align:Top;width:38.75pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:8.17pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height: 12.0pt; margin-top: 12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Premium Tax</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Income Tax</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Currently, we do not deduct any Contract related income tax we incur, although we reserve the right to do so in the future.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">AZL Government Money Market Fund Expenses</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Charges deducted from and expenses paid out of the assets of the AZL Government Money Market Fund are described in the fund's
                prospectus.</font></div>
            <div style="line-height: 10.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">These expenses reduce the AZL Government Money Market Fund's performance and, therefore, negatively affect your Contract Value and
                any payments based on Contract Value.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:10pt;"> </font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;54&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_42"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 13.0pt;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 0pt; top: -2pt; width: 494pt;"><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:lowercase;">7.</font><font style="color:#000000;font-family:Arial;font-size:11pt;line-height:13pt;text-transform:uppercase;">&#8194;</font><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Access to Your Money</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Your Contract Value is available under the following circumstances:</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">by taking a withdrawal (including financial adviser fees that you choose to have us pay from this
                    Contract; withdrawals under the free withdrawal privilege and waiver of withdrawal charge benefit; and for Qualified Contracts only, RMD payments under our minimum distribution program);</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">by taking Annuity Payments; or</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">when we pay a death benefit.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Any partial withdrawal must be for at least $100.* The Contract Value after a partial withdrawal must be at least $2,000.* </font><font style="color: #000000; font-family: Times New Roman; 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>
              <div style="clear:both;margin-top:1.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 10pt; width: 4pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">*</font></div>
                <div style="float: left; line-height: 10pt; margin-left: 14pt; width: 471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">Does not apply to RMD payments under our minimum distribution program.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">We deduct any partial withdrawal (including any withdrawal charge) proportionately from each Index Option and the AZL Government
                Money Market Fund. The Index Option Value from which a partial withdrawal is deducted during a Term will include any applicable Daily Adjustment.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">When you take a full withdrawal of the Cash Value we process your request on the Business Day we receive it in Good Order at our
                Service Center as follows:</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">total Contract Value including any Daily Adjustment,</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">less any&#160;final rider fee and contract maintenance charge, and</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">less any withdrawal charge.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">See the Fee Tables and section 6, Expenses for a discussion of the Contract fees and expenses.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">A partial or full withdrawal is subject to a withdrawal charge if taken within six years of your last Purchase Payment, and if
                taken on a day other than a Term End Date we will apply the Daily Adjustment to the Index Option Value before deducting the withdrawal. A partial withdrawal is not subject to any Contract fees or expenses other than the withdrawal charge,
                but on a full withdrawal we do deduct any&#160;final rider fee and contract maintenance charge. Partial withdrawals (including any withdrawal charge) reduce Contract Value and Cash Value dollar for dollar, and reduce the Guaranteed Death Benefit
                Value proportionately. The reduction to Contract Value also reduces the following which are based on Contract Value: the likelihood of receiving increases to the Maximum Anniversary Value if the Maximum Anniversary Value Death Benefit is
                selected, and&#160;RMD payments. A full withdrawal will end the Contract and all its benefits.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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).</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="zcd0c6e7762a042c48582b08ca3b52110">

                  <tr style="height:50pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.15pt;">Withdrawals may be subject to a withdrawal charge, state and federal taxation, and a 10% additional federal tax if </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">you are under age 59</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;margin-left:0.0pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;margin-left:0.0pt;">2</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">, and the amount of Contract Value available for withdrawal may be affected by the
                            Daily </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">Adjustment </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">(which can be negative)</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;"> Please consult with your Financial Professional before requesting us to pay </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">financial adviser fees from this
                            Contract rather than from other assets you may have.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:36pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:1.9pt;">Joint Owners:</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> We send each Joint Owner a check for half of the withdrawal
                            amount and tax report that Joint Owner </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">individually. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Tax reporting each Joint Owner individually can create a discrepancy in taxation if only one Joint </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">Owner is under age 59</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">2</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;"> because that Joint Owner will be subject to the 10% additional federal tax.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:70pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">We may be required to provide information about you or your Contract to government regulators. We may also be </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">required to stop Contract disbursements and thereby refuse any transfer
                            requests, and refuse to pay any withdrawals </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">(including a full withdrawal), or death benefits until we receive
                            instructions from the appropriate regulator. If, </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">pursuant to SEC rules, the AZL Government Money Market Fund suspends
                            payment of redemption proceeds in </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">connection with a fund liquidation, we will delay payment of any
                            transfer, full or partial withdrawal, or death benefit </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">from the AZL Government Money Market Fund subaccount until the fund is
                            liquidated.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;55&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_43"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt; margin-top: 12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Free Withdrawal Privilege</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-decoration: underline;">Example</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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 7% withdrawal charge.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="zddac674b70bf4278a7fdd25d42fbe29a">

                  <tr style="height:auto;">
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                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">The free withdrawal privilege is not available upon a
                            full withdrawal.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height: 12.0pt; margin-top: 12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Minimum Distribution Program and Required Minimum Distribution (RMD) Payments</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">If you own an IRA or SEP IRA Contract, you can participate in the minimum distribution program during the Accumulation Phase. 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 future RMD payments. We apply the Daily Adjustment if RMD payments are deducted from the Index Options on days other than a Term End Date. We can make payments to you
                monthly, quarterly, semi-annually or annually. However, if your Contract Value is less than $25,000, we only make annual payments. We do not allow you to aggregate RMD payments between this Contract and other qualified contracts that you
                own for purposes of this program. We must receive your program form instructions in Good Order at our Service Center before the end of the Business Day before payments begin.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">We reserve the right to discontinue or modify the minimum distribution program subject to the requirements of law.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z909f4d4eacc941bd8a5354fc6e616d44">

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                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">You should consult a tax adviser before purchasing a
                            Qualified Contract that is subject to RMD payments.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height: 12.0pt; margin-top: 12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Waiver of Withdrawal Charge Benefit</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">After the first Contract Year, you can take withdrawals and we waive the withdrawal charge if you:</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.0pt;"><font style="color: #000000; font-family: Times New Roman;">have to stay in an eligible facility (a hospital, nursing facility, or assisted living facility)
                    for at least 90 days in a 120-day period, or</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">are unable to perform at least two of six activities of daily living (ADLs) for at least 90
                    consecutive days. ADLs include bathing, dressing, toileting, continence, eating, and transferring (moving into or out of a bed, chair, or wheelchair).</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">We must receive proof of staying in an eligible facility or ADL eligibility before we waive the withdrawal charge. For ADL
                eligibility we may require, at our expense, an examination or tests by a physician of our choice. This waiver is not available if on the Issue Date you were confined to an eligible facility, or were unable to perform all six of the ADLs. We
                base this benefit on the Annuitant for non-individually owned Contracts. Withdrawals under this benefit reduce the free withdrawal privilege amount during the Contract Year. We apply the Daily Adjustment if withdrawals under this benefit
                are deducted on days other than the Term End Date.</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;56&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_44"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Suspension of Payments or Transfers</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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:</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">the New York Stock Exchange is closed (other than customary weekend and holiday closings);</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">trading on the New York Stock Exchange is restricted;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">an emergency (as determined by the SEC) exists as a result of which disposal of the AZL Government
                    Money Market Fund shares is not reasonably practicable or we cannot reasonably value the shares; or</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">during any other period when the SEC, by order, so permits for the protection of Owners.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 13.0pt; margin-top: 10.5pt;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 12.0pt; position: relative; top: -2pt; width: 494pt;"><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:lowercase;">8.</font><font style="color:#000000;font-family:Arial;font-size:11pt;line-height:13pt;text-transform:uppercase;">&#8194;</font><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">The Annuity Phase</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Prior to annuitization, you can take a full withdrawal and receive your Cash Value. If you take a full withdrawal on any day other
                than a Term Start Date or Term End Date we apply the Daily Adjustment to the Index Option Values before we deduct the final Contract fees and expenses.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">You can request 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Calculating Your Annuity Payments</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">We base Annuity Payments upon the following:</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">The Contract Value less the final&#160;rider fee (if applicable) on the Annuity Date.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.0pt;"><font style="color: #000000; font-family: Times New Roman;">The age of the Annuitant and any joint Annuitant on the Annuity Date.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.0pt;"><font style="color: #000000; font-family: Times New Roman;">The gender of the Annuitant and any joint Annuitant where permitted.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">The Annuity Option you select.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Your Contract&#8217;s interest rate (or current rates, if higher) and mortality table.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">For any Index Option for which the Annuity Date is not a Term End Date, Contract Value reflects the Daily Adjustment. 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 G. We deduct the contract maintenance charge
                proportionately from each Annuity Payment (e.g., if you request semi-annual Annuity Payments we deduct 50% of the contract maintenance charge from each Annuity Payment). However, if your Contract Value on the last Business Day before the
                Annuity Date is at least $100,000 we waive the contract maintenance charge during the Annuity Phase.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Annuity Payment Options</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">You can choose one of the Annuity Options described below. After Annuity Payments begin, you cannot change the Annuity Option, or
                transfer or withdraw Contract Value.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Option A - Guaranteed Period. </font><font style="color: #000000; font-family: Times New Roman;">We make
                Annuity Payments for a guaranteed period of ten years.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Option B - Life.</font><font style="color: #000000; font-family: Times New Roman;"> 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="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Option C - Life with Guaranteed Period.</font><font style="color: #000000; font-family: Times New Roman;"> We
                make Annuity Payments during the life of the Annuitant, with payments for a minimum guaranteed period that you select. The guaranteed period must be either five or ten years.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Option F - Joint and Survivor.</font><font style="color: #000000; font-family: Times New Roman;"> 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. If both Annuitants die shortly
                after the Annuity Date, the Payee may receive less than your investment in the Contract.</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;57&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4b06f82b-1bbc-4efb-acdf-43acf4cadda5_45"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Option G - Joint and 2/3 Survivor Annuity. </font><font style="color: #000000; font-family: Times New Roman;">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 2/3 of the original amount.
                If both Annuitants die shortly after the Annuity Date, the Payee may receive less than your investment in the Contract.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">Under Annuity Options B, F and G, 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">After the Annuitant&#8217;s death under Annuity Options A and C, 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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 10-year guaranteed period are less than payout rates for a 5-year guaranteed period, and payout rates for a 50-year-old
                Annuitant are less than payout rates for a 70-year-old Annuitant.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="zce9900c891684d9c8e2ca9ddc874a642">

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                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">If you do not choose an Annuity Option before the
                            Annuity Date, we make Annuity Payments to the Payee under </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annuity Option C with ten years of guaranteed monthly
                            payments.</font></div>
                      </div>
                    </td>
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              </table>
            </div>
            <div style="line-height: 12.0pt; margin-top: 12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">When Annuity Payments Begin</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">Annuity Payments must begin on the maximum Annuity Date stated in your Contract, which is the Index Anniversary that occurs on or
                immediately after the Annuitant reaches age 100. An earlier Annuity Date or a withdrawal may be required to satisfy minimum required distribution rules under certain Qualified Contracts. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">You can make an authorized request for an earlier Annuity Date after the Issue Date, but any such request is subject to applicable law and our approval.</font><font style="color: #000000; font-family: Times New Roman;">Your Annuity Date must occur on an Index Anniversary. The earliest available Annuity Date is the&#160;second Index Anniversary.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z6c47c3ae27be4cc08f8753fd4668cf37">

                  <tr style="height:26pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.15pt;">If Annuity Payments would be less than $100, we reserve the right to require you to take a full withdrawal and </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">your Contract will then terminate.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:58pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:1.9pt;">If on the maximum Annuity Date your Contract Value is greater than zero, you must annuitize the Contract.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">We notify you of your available options in writing 60 days in advance. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">If on your maximum Annuity Date you have </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">not selected an Annuity Option, we
                            make payments under Annuity Option C with ten years of guaranteed monthly </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">payments.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Upon annuitization you no longer have Contract Value or a death benefit, and you cannot receive any </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">other periodic withdrawals or payments other than Annuity Payments.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height: 1.0pt;"> </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;58&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_1"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 13.0pt;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 0pt; top: -2pt; width: 494pt;"><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:lowercase;">9.</font><font style="color:#000000;font-family:Arial;font-size:11pt;line-height:13pt;text-transform:uppercase;">&#8194;</font><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Benefits Available Under the Contract</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">The following tables summarize information about the benefits available under the Contract.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="line-height: 0.0pt;"> </div>
            <div style="margin-top:6pt;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z4be1a760214c41acae3fce13d11c77c5">

                  <tr style="height:17.5pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:494.0pt;" colspan="4">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:5pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard Benefits (No Additional Charge)</font></div>
                      </div>
                    </td>
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                  <tr style="height:28pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:58.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</font></div>
                        <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:188.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:58pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum</font></div>
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Fee</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:189pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of
                            Restrictions/Limitations</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:105pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:58.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Free</font></div>
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawal</font></div>
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Privilege</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:188.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allows you to withdraw up to 10% of your total </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Purchase Payments each Contract Year without </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">incurring a withdrawal charge.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:58pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">None</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:189pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Only available during the Accumulation Phase.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Not available upon a full withdrawal.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Unused free withdrawal amounts not available </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">in future years.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Program withdrawals may be subject to </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">negative Daily Adjustments.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Program withdrawals may be subject to </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">income taxes, including a 10% additional </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">federal tax if taken before age 59&#8202;</font><font style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8725;</font><font style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;">2</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:171pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:58.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Minimum</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </font></div>
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Distribution</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </font></div>
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Program</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:188.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allows you to automatically take withdrawals to </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">satisfy the minimum distribution requirements </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(RMD) imposed by the Internal Revenue Code.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:58pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">None</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:189pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Only available during the Accumulation Phase.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Only available to IRA or SEP IRA Contracts.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Program withdrawals count against free </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawal privilege.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Program withdrawals may be subject to </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">negative Daily Adjustments.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Program withdrawals may be subject to </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">income taxes.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Program withdrawals may be monthly, </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">quarterly, semi-annual or annual, unless you </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">have less than $25,000 in Contract Value, in </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">which case only annual payments are </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">available.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;We reserve the right to discontinue or modify </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the program subject to the requirements of law.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:188.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:58.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Financial</font></div>
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Adviser</font></div>
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Fees</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:188.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">If you have a financial adviser and want to pay </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">their financial adviser fees from this Contract, </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">you can instruct us to withdraw the fee from your </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract and pay it to your Financial </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Professional or Financial Professional&#8217;s firm as </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">instructed.</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:58pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">None</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:189pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Only available during the Accumulation Phase.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Financial adviser fees are in addition to the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Contract&#8217;s fees and expenses.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Deductions for financial adviser fees are </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">treated as withdrawals under the Contract.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Program withdrawals count against free </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawal privilege.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Program withdrawals may be subject to </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">negative Daily Adjustments.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Program withdrawals may be subject to </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawal charges and income taxes, </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">including a 10% additional federal tax if taken </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">before age 59&#8202;</font><font style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8725;</font><font style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;">2</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;We reserve the right to discontinue or modify </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the program.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;See section 1 for an example of how deduction </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">of financial adviser fees impact the Contract.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
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          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;59&#8201;</font></div>
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      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
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      <div> <a name="xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_2"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="margin-top:6pt;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z4316ce02ad934a16b9491d093fb01006">

                  <tr style="height:17.5pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:494.0pt;" colspan="4">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:5pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard Benefits (No Additional Charge)</font></div>
                      </div>
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                  <tr style="height:28pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:58.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</font></div>
                        <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:188.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:58pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum</font></div>
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Fee</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:189pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of
                            Restrictions/Limitations</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:204pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:58.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Waiver of</font></div>
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawal</font></div>
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charge</font></div>
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefit</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:188.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Waives withdrawal charges if you are confined </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">for care, or are unable to perform at least two out </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of six activities of daily living (ADLs).</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:58pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">None</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:189pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Only available during the Accumulation Phase.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Confinement must be for at least 90 days in a </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">120-day period and requires proof of stay.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Inability to perform two ADLs must be for at </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">least 90 consecutive days and may require an </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">exam or tests by a physician.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Not available on the Issue Date if any Owner </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">was confined to an eligible facility, or unable to </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">perform all six ADLs.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Program withdrawals count against free </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawal privilege.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Program withdrawals may be subject to </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">negative Daily Adjustments.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Program withdrawals are not subject to </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawal charges, but may be subject to </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">income taxes, including a 10% additional </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">federal tax if taken before age 59</font><font style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8725;</font><font style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;">2</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;State variations may apply.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:145.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:58.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Traditional</font></div>
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Death </font></div>
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefit</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:188.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Provides a death benefit equal to the greater of </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Contract Value, or Guaranteed Death Benefit </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value. The Guaranteed Death Benefit Value is </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">total Purchase Payments adjusted for </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">withdrawals.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">An example of the death benefit provided by the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Traditional Death Benefit is included in section </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">10, Death Benefit.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Examples of deductions for the impact of </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">financial adviser fees that you choose to have us </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">pay from this Contract on the death benefit is </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">included in section 1.</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:58pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">None</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:189pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Benefit only available during the Accumulation </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Phase.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Withdrawals, including any negative Daily </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Adjustments, may significantly reduce the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">benefit as indicated in section 1, Financial </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Adviser Fee Deduction Example.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Restrictions on Purchase Payments may limit </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the benefit.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Annuitizing the Contract will end the benefit.</font></div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
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          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;60&#8201;</font></div>
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                      <div style="line-height:12.0pt;text-align:left;">
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                        <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</font></div>
                        <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit</font></div>
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                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</font></div>
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                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum</font></div>
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Fee</font></div>
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                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of
                            Restrictions/Limitations</font></div>
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                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:58.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Performance</font></div>
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Lock and </font></div>
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Early </font></div>
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Reallocations</font></div>
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                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allows you to capture the current Index Option </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value during the Term for an Index Option. Can </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">help eliminate doubt about future Index </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">performance and possibly limit the impact of </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">negative performance. Can allow you to transfer </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">out of an Index Option before the Term End </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Date.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A Performance Lock example is included in </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">section 4, Valuing Your Contract &#8212; Performance </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Locks and Early Reallocations.</font></div>
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                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">None</font></div>
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                    <td style="padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:189pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Available during the Accumulation Phase.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Performance Locks may be executed before </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the Term End Date for an Index Option.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;If a Performance Lock is executed, the locked </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Option will no longer participate in Index </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">performance (positive or negative) for the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">remainder of the Index Year, and will not </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">receive a Performance Credit.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;You will not know your locked Index Option </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Value in advance.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;The locked Index Option Value will reflect a </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Daily Adjustment.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;If a Performance Lock is executed when Daily </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Adjustment has declined, will lock in any loss.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;A Performance Lock can be executed only </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">once each Term for each Index Option.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Cannot execute a Performance Lock for only a </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">portion of the Index Option Value.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Early Reallocation requests are not accepted </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">within 14 calendar days before an Index </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Anniversary and are limited to two Early </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Reallocation requests each Index Year.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Deductions (e.g. withdrawals, fees) decrease </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the locked Index Option Value.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Cannot transfer Index Option Value until the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Term End Date unless you execute a </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Performance Lock.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;We will not provide advice or notify you </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">regarding whether you should execute a </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Performance Lock or Early Reallocation or the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">optimal time for doing so.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;We will not warn you if you execute a </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Performance Lock or Early Reallocation at a </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">sub-optimal time.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;We are not responsible for any losses related </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">to your decision whether or not to execute a </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Performance Lock or Early Reallocation.</font></div>
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            <div style="line-height: 0.0pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:1pt;margin-left:7.34pt;">&#8195;</font></div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
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            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;61&#8201;</font></div>
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                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:5pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Optional Benefits</font></div>
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                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                        <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:188.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:58pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum</font></div>
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Fee</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:189pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of
                            Restrictions/Limitations</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:155.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:58.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum </font></div>
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Anniversary </font></div>
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Value Death </font></div>
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefit</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:188.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Provides a death benefit equal to the greater of </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Contract Value, or Guaranteed Death Benefit </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value. The Guaranteed Death Benefit Value is </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Maximum Anniversary Value.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">An example of the death benefit provided by the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum Anniversary Value Death Benefit, and </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">calculation of the Maximum Anniversary Value is </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">included in section 10, Death Benefit.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Examples of deductions for the impact of </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">financial adviser fees that you choose to have us </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">pay from this Contract on the death benefit is </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">included in section 1.</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:58pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.20%</font></div>
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;">(as a </font></div>
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;">percentage of </font></div>
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;">the Charge </font></div>
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;">Base)</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:189pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Must be age 75 or younger to elect.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Can only be added to a Contract at issue.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Replaces the Traditional Death Benefit if </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">elected.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Benefit cannot be removed from the Contract.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Only available during the Accumulation Phase.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Withdrawals, including any negative Daily </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Adjustment, may significantly reduce the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">benefit as indicated in section 1, Financial </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Adviser Fee Deduction Example.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Withdrawals reduce the likelihood of lock in.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Restrictions on Purchase Payments may limit </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the benefit.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Annuitizing the Contract will end the benefit.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height: 13.0pt; margin-top: 16pt;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 16.0pt; position: relative; top: -2pt; width: 494pt;"><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:lowercase;">10.</font><font style="color:#000000;font-family:Arial;font-size:11pt;line-height:13pt;text-transform:uppercase;">&#8194;</font><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Death Benefit</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">&#8220;You&#8221; in this section refers to the Owner, or the Annuitant if the Contract is owned by a non-individual.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">The Contract provides the Traditional Death Benefit, the standard death benefit, for no additional charge. If available, you can
                instead select the optional Maximum Anniversary Value Death Benefit at Contract issue for an additional rider fee if all Owners and the Annuitant are age 75 or younger. The Maximum Anniversary Value Death Benefit can only be added to a
                Contract at issue. </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">The Maximum Anniversary Value Death Benefit cannot be less than the Traditional Death Benefit, but they may be equal. Please discuss
                this benefit&#8217;s appropriateness with your Financial Professional.</font><font style="color: #000000; font-family: Times New Roman;"> The death benefit is the greater of the Contract Value, or Guaranteed Death Benefit Value. The Guaranteed
                Death Benefit Value is either total Purchase Payments reduced proportionately for withdrawals you take (including any withdrawal charge) if you select the Traditional Death Benefit, or the Maximum Anniversary Value if you select the Maximum
                Anniversary Value Death Benefit.&#160;</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">The death benefit is only available during the Accumulation Phase.</font><font style="color: #000000; font-family: Times New Roman;"> 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="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Each Beneficiary&#8217;s portion of the death benefit remains in the Index 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 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 to the Index Options based on the allocation instructions that were in effect on the date of death.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">From the time we determine the death benefit until we make a complete distribution, any amount in the Index Options and the AZL
                Government Money Market Fund 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.</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;62&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_5"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">On the first death of a Determining Life during the Accumulation Phase, if your selected death benefit is in effect your
                Beneficiary(s) will receive the greater of the Contract Value&#160;or Guaranteed Death Benefit Value.&#160;The Guaranteed Death Benefit Value is either total Purchase Payments reduced proportionately for withdrawals you take (including any withdrawal
                charge) if you select the Traditional Death Benefit, or the Maximum Anniversary Value if you select the Maximum Anniversary Value Death Benefit. For example, assume total Purchase Payments are $90,000, you take no withdrawals, the highest
                Contract Value on any Index Anniversary (the Maximum Anniversary Value) is $105,000, and the current Contract Value is $100,000. The death benefit for the Traditional Death Benefit is the $100,000 Contract Value, and for the Maximum
                Anniversary Value Death Benefit it is the $105,000 Maximum Anniversary Value.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">If the date we are determining the death benefit is not the Term End Date, 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><font style="color: #000000; font-family: Times New Roman; 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.&#160;</font><font style="color: #000000; font-family: Times New Roman;">However, we&#160;do not reduce the Guaranteed Death Benefit Value for deductions we make for Contract fees and expenses.&#160;</font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Deductions for Contract fees and expenses&#160;will, however, decrease the Contract Value by the dollar amount withdrawn&#160;and reduce the likelihood of receiving increases to
                the Maximum Anniversary Value</font><font style="color: #000000; font-family: Times New Roman;">.&#160;</font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">In addition, because the death
                benefit is 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="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Maximum Anniversary Value</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">The Maximum Anniversary Value is initially equal to the Purchase Payment received on the Issue Date. At the end of each Business
                Day, we adjust the Maximum Anniversary Value as follows.</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">We increase it by the dollar amount of any additional Purchase Payments.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">We reduce it by the percentage of any Contract Value you withdraw (including any withdrawal
                    charge).</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">If the Index Effective Date occurs after the Issue Date, the Maximum Anniversary Value on the Index Effective Date is calculated in
                the same way as on an Index Anniversary.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">On each Index Anniversary before the end date (or on the next Business Day if the Index Anniversary is not on a Business Day) the
                Maximum Anniversary Value is equal to the greater of:</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">its current value after processing any additional Purchase Payments, or withdrawals you take
                    (including any withdrawal charge), or</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">the Contract Value determined at the end of the Business Day after we process all daily
                    transactions including Performance Credits, any additional Purchase Payments, withdrawals you take including any withdrawal charges, and deductions we make&#160;for other Contract fees and expenses. Contract Value reflects the Daily
                    Adjustment for an Index Option for which this anniversary is not a Term End Date. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Negative Index Option performance, withdrawals
                    you take, and deductions we make for Contract fees&#160;or expenses decrease the Contract Value and reduce the likelihood of receiving increases to the Maximum Anniversary Value.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">On and after the end date, we no longer make this comparison and we no longer capture any annual investment gains in the Maximum
                Anniversary Value.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">The end date occurs on the earliest of:</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">the older Determining Life&#8217;s 91st birthday, or</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">the end of the Business Day we receive the first Valid Claim from any one Beneficiary.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold;">Example</font><font style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;">&#8195;</font></div>
            <div style="line-height: 0.0pt;"> </div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="empty-cells:show;width:494pt;" id="zfa75c9a6a1f6476ca0831a371f22414c">

                  <tr style="height:27pt;">
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:332.96pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:4pt;margin-right:3pt;padding-bottom:1pt;">
                          <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:42.47pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:3pt;margin-right:3pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Contract</font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Value</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:118.56pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:3pt;margin-right:4pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Maximum Anniversary Value</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13.5pt;">
                    <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:332.96pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Issue Date</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:42.47pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 100,000</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:118.56pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 100,000</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12pt;">
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:332.96pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index Anniversary</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:42.47pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 110,000</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:118.56pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 110,000</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:9.5pt;">
                    <td style="padding-top:2.5pt;vertical-align:Top;width:332.96pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">2</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">nd</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index Anniversary</font></div>
                      </div>
                    </td>
                    <td style="padding-top:2.5pt;vertical-align:Top;width:42.47pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 95,000</font></div>
                      </div>
                    </td>
                    <td style="padding-top:2.5pt;vertical-align:Top;width:118.56pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 110,000</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;63&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_6"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="empty-cells:show;width:494pt;" id="z0a2f69079566431091714eab25132fd2">

                  <tr style="height:27pt;">
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:332.96pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:4pt;margin-right:3pt;padding-bottom:1pt;">
                          <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:42.47pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:3pt;margin-right:3pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Contract</font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Value</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:118.56pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:3pt;margin-right:4pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Maximum Anniversary Value</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13.5pt;">
                    <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:332.96pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">3</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">rd</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index Anniversary</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:42.47pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 105,000</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:118.56pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 110,000</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:9.5pt;">
                    <td style="padding-top:2.5pt;vertical-align:Top;width:332.96pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">4</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">th</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index Anniversary</font></div>
                      </div>
                    </td>
                    <td style="padding-top:2.5pt;vertical-align:Top;width:42.47pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 120,000</font></div>
                      </div>
                    </td>
                    <td style="padding-top:2.5pt;vertical-align:Top;width:118.56pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 120,000</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height: 12.0pt; margin-top: 9pt;"><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;">&#8195;</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">On the Issue Date the Maximum Anniversary Value is equal to the initial Purchase Payment of
                    $100,000.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.0pt;"><font style="color: #000000; font-family: Times New Roman;">On the 1st Index Anniversary the Contract Value is greater than the Maximum Anniversary Value, so
                    the Maximum Anniversary Value increases to equal the Contract Value of $110,000.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">On the 2nd and 3rd Index Anniversaries the Contract Value is less than the Maximum Anniversary
                    Value, so we neither increase nor decrease the Maximum Anniversary Value. The Maximum Anniversary Value will stay at $110,000 until the Contract Value on an Index Anniversary is greater than this amount or you make an additional
                    Purchase Payment (either of which will increase the Maximum Anniversary Value), or you take a withdrawal (which will decrease the Maximum Anniversary Value).</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">On the 4th Index Anniversary the Contract Value is greater than the Maximum Anniversary Value, so
                    the Maximum Anniversary Value increases to equal the Contract Value of $120,000.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold;">What Happens Upon Death?</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">If you are the Determining Life, or if you and the Determining Life (Lives) are different individuals and die within 120 hours of
                each other, we determine the Guaranteed Death Benefit Value 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:</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Guaranteed Death Benefit Value determined at the end of the Business Day we receive the first
                    Valid Claim from any one Beneficiary, or</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Contract Value determined at the end of the Business Day during which we receive his or her Valid
                    Claim.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">If you and the Determining Life (Lives) are different individuals and do not die within 120 hours of each other, the death benefit
                is as follows. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">This can only occur if you change the Owner after the Issue Date.</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">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 or Maximum Anniversary Value Death Benefit are still in effect</font><font style="color: #000000; font-family: Times New Roman;">. 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="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">and your selected death benefit ends</font><font style="color: #000000; font-family: Times New Roman;">. We allocate any Contract Value increase to the AZL Government Money Market Fund. Then on the next Index
                    Anniversary we transfer the Variable Account Value to the Index Options according to your allocation instructions.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">The Traditional Death Benefit and Maximum Anniversary Value Death Benefit end upon the earliest of the
                following.</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">The Business Day before the Annuity Date.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">The Business Day that the Guaranteed Death Benefit Value and Contract Value are both zero.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">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 within 120 hours of each other.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">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 within 120 hours of each other.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">The Business Day the Contract ends.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;64&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_7"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z5f8b6f8c6dd54f94b71d3f3615992f4f">

                  <tr style="height:26pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">We base the Guaranteed Death Benefit Value on the first death of a
                            Determining Life (or Lives). This means that upon </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the death of an Owner (or Annuitant if the Owner is a non-individual),
                          </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">if a surviving spouse continues the Contract:</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">the Guaranteed Death Benefit Value is no longer available, and</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">if you selected the Maximum Anniversary Value Death Benefit, we no longer assess its 0.20% rider fee.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:28pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Also, if you and the Determining
                            Life (Lives) are different individuals and you die first, the Guaranteed Death Benefit </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Value is not available to your
                            Beneficiary(s).</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height: 12.0pt; margin-top: 12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Death of the Owner and/or Annuitant</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Death Benefit Payment Options During the Accumulation Phase</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Each Beneficiary must select one of the death benefit payment options listed below.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Spousal Continuation:</font><font style="color: #000000; font-family: Times New Roman;"> 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><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Spouses must qualify as such under federal law to continue the Contract.</font><font style="color: #000000; font-family: Times New Roman;"> 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 your selected death benefit ends. We allocate any Contract Value increase to the AZL Government Money Market Fund. Then on the next
                Index Anniversary we transfer it to the Index Options according to allocation instructions. If the surviving spouse continues the Contract:</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">he or she becomes the new Owner and may exercise all of the Owner&#8217;s rights, including naming a new
                    Beneficiary or Beneficiaries;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">he or she is subject to any remaining withdrawal charge; and</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Death Benefit Payment Options</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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).</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Option A:</font><font style="color: #000000; font-family: Times New Roman;"> Lump sum payment of the death
                benefit.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Option B:</font><font style="color: #000000; font-family: Times New Roman;"> 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 Index Options.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Option C:</font><font style="color: #000000; font-family: Times New Roman;"> If the Beneficiary is an
                individual, payment of the death benefit as Annuity Payments under Annuity Options A, B, or C. If you take the death benefit as Annuity Payments we do not require that the Annuity Date occur on an Index Anniversary. 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 Index Options.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;65&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_8"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 10.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 13.0pt; margin-top: 11.5pt;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 12.0pt; position: relative; top: -2pt; width: 494pt;"><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:lowercase;">11.</font><font style="color:#000000;font-family:Arial;font-size:11pt;line-height:13pt;text-transform:uppercase;">&#8194;</font><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Taxes</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">This section provides a summary explanation of the tax ramifications of purchasing a Contract. </font><font style="color: #000000; font-family: Times New Roman; 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="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Annuity Contracts in General</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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).</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">You can purchase either a Qualified Contract or a Non-Qualified Contract.&#160; 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">This prospectus does not address specific state tax laws. You should discuss state taxation with your tax adviser.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Qualified Contracts</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div>
              <div style="clear:both;margin-top:5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman; text-decoration: underline;">IRA (Traditional IRA).</font><font style="color: #000000; font-family: Times New Roman;"> 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.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman; text-decoration: underline;">Roth IRA.</font><font style="color: #000000; font-family: Times New Roman;"> 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.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-left: 14pt; margin-top: 5pt;"><font style="color: #000000; font-family: Times New Roman;">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).</font></div>
            <div>
              <div style="clear:both;margin-top:5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman; text-decoration: underline;">SEP IRA</font><font style="color: #000000; font-family: Times New Roman;">. 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.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;66&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
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          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt; margin-top: 2pt;"><font style="color: #000000; font-family: Times New Roman; margin-left: 14pt;">We may issue the following type of Qualified Contract to a qualified retirement plan.&#160;</font></div>
            <div>
              <div style="clear:both;margin-top:5.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman; text-decoration: underline;">Qualified Retirement Plans: Pension and Profit-Sharing Plans.</font><font style="color: #000000; font-family: Times New Roman;"> 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.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-left: 14pt; margin-top: 5.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-left: 14pt; margin-top: 5.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Summary of Individuals and Entities That Can Own a Qualified Contract</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">Currently, we offer the following types of Qualified Contracts.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="line-height: 0.0pt;"> </div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="zb5d6f33a47cc48e4be79f4cad26e84c2">

                  <tr style="height:15pt;">
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:125.61pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Type of Contract</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:368.39pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Persons and Entities that can own the Contract</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.61pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">IRA</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:368.39pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Must have the same individual as Owner and Annuitant.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.61pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Roth IRA</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:368.39pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Must have the same individual as Owner and Annuitant.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.61pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">SEP IRA</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:368.39pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Must have the same individual as Owner and Annuitant.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:47pt;">
                    <td style="padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.61pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Certain Code Section 401 Plans</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:368.39pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A qualified retirement plan is the Owner and the Annuitant must be an individual who is a </font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">participant in the plan. If the qualified retirement plan is a defined benefit plan, the
                            individual must </font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">be the only participant in the plan.</font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">We may determine which&#160;types of qualified retirement plans are eligible to purchase this
                            Contract.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height: 12.0pt; margin-top: 12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Non-Qualified Contracts</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">You can instead purchase a Non-Qualified Contract, which is not qualified pursuant to a specialized provision of the Code.&#160; 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Non-Qualified Contracts Owned by Non-Individuals</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Taxation of Withdrawals</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">When you take money out of a Contract, we may deduct premium tax that we pay on your Contract. This tax varies from 0% to 3.5%,
                depending on your state. Currently, we pay this tax and do not pass it on to you.</font></div>
          </div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;67&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_10"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:331pt;">
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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, 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color: #000000; font-family: Times New Roman;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;">2</font><font style="color: #000000; font-family: Times New Roman;">, death, disability or a first time
                homebuyer (subject to a $10,000 lifetime limit).</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">10% Additional Federal Tax</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color: #000000; font-family: Times New Roman;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;">2</font><font style="color: #000000; font-family: Times New Roman;">, 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 each Joint Owner a check for
                half of the withdrawal amount and tax report that Joint Owner individually. </font><font style="color: #000000; font-family: Times New Roman; 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</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;font-weight:bold;position:relative;top:-2.66pt;">&#8202;1</font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;font-weight:bold;">2</font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;"> because that Joint Owner will be subject to the 10% additional federal tax.</font></div>
          </div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:325pt;">
            <div style="line-height: 9.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-style: italic; font-weight: bold;">Exceptions to the 10% Additional Federal Tax for Qualified Contracts</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 8.33pt;"><font style="color: #000000; font-family: Times New Roman;">1)</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 9.67pt; width: 471.00pt;"><font style="color: #000000; font-family: Times New Roman;">distributions made on or after the date you (or the Annuitant as applicable) reach age 59</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color: #000000; font-family: Times New Roman;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;">2</font><font style="color: #000000; font-family: Times New Roman;">;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 8.33pt;"><font style="color: #000000; font-family: Times New Roman;">2)</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 9.67pt; width: 471.00pt;"><font style="color: #000000; font-family: Times New Roman;">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);</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 8.33pt;"><font style="color: #000000; font-family: Times New Roman;">3)</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 9.67pt; width: 471.00pt;"><font style="color: #000000; font-family: Times New Roman;">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;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 8.33pt;"><font style="color: #000000; font-family: Times New Roman;">4)</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 9.67pt; width: 471.00pt;"><font style="color: #000000; font-family: Times New Roman;">distributions made to you after separation from service after reaching age 55 (does not apply to
                    IRAs);</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 8.33pt;"><font style="color: #000000; font-family: Times New Roman;">5)</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 9.67pt; width: 471.00pt;"><font style="color: #000000; font-family: Times New Roman;">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;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 8.33pt;"><font style="color: #000000; font-family: Times New Roman;">6)</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 9.67pt; width: 471.00pt;"><font style="color: #000000; font-family: Times New Roman;">distributions made on account of an IRS levy upon the Qualified Contract;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 8.33pt;"><font style="color: #000000; font-family: Times New Roman;">7)</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 9.67pt; width: 471.00pt;"><font style="color: #000000; font-family: Times New Roman;">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);</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 8.33pt;"><font style="color: #000000; font-family: Times New Roman;">8)</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 9.67pt; width: 471.00pt;"><font style="color: #000000; font-family: Times New Roman;">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;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 8.33pt;"><font style="color: #000000; font-family: Times New Roman;">9)</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 9.67pt; width: 471.00pt;"><font style="color: #000000; font-family: Times New Roman;">distributions from an IRA which are qualified first-time homebuyer distributions (as defined in
                    Section 72(t)(8) of the Code);</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 13.33pt;"><font style="color: #000000; font-family: Times New Roman;">10)</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.67pt; width: 471.00pt;"><font style="color: #000000; font-family: Times New Roman;">distributions made to an alternate Payee pursuant to a qualified domestic relations order (does
                    not apply to an IRA);</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 13.33pt;"><font style="color: #000000; font-family: Times New Roman;">11)</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.67pt; width: 471.00pt;"><font style="color: #000000; font-family: Times New Roman;">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</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 13.33pt;"><font style="color: #000000; font-family: Times New Roman;">12)</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.67pt; width: 471.00pt;"><font style="color: #000000; font-family: Times New Roman;">distributions made during the payment period starting on the birth of a child or the finalization
                    of an adoption (up to $5,000).</font></div>
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            </div>
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          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
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            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;68&#8201;</font></div>
          </div>
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      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
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          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">With respect to (3) above, if the series of substantially equal periodic payments is modified before the later of the Annuitant
                attaining age 59</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color: #000000; font-family: Times New Roman;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;">2</font><font style="color: #000000; font-family: Times New Roman;"> 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 9.0pt; margin-top: 7pt;"><font style="color: #000000; font-family: Arial Narrow; font-style: italic; font-weight: bold;">Exceptions to the 10% Additional Federal Tax for Non-Qualified Contracts</font></div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 8.33pt;"><font style="color: #000000; font-family: Times New Roman;">1)</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 9.67pt; width: 471.00pt;"><font style="color: #000000; font-family: Times New Roman;">paid on or after you reach age 59</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color: #000000; font-family: Times New Roman;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;">2</font><font style="color: #000000; font-family: Times New Roman;">;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 8.33pt;"><font style="color: #000000; font-family: Times New Roman;">2)</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 9.67pt; width: 471.00pt;"><font style="color: #000000; font-family: Times New Roman;">paid after you die;</font></div>
              </div>
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            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 8.33pt;"><font style="color: #000000; font-family: Times New Roman;">3)</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 9.67pt; width: 471.00pt;"><font style="color: #000000; font-family: Times New Roman;">paid if you become totally disabled (as that term is defined in Section 72(m)(7) of the Code);</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 8.33pt;"><font style="color: #000000; font-family: Times New Roman;">4)</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 9.67pt; width: 471.00pt;"><font style="color: #000000; font-family: Times New Roman;">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;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 8.33pt;"><font style="color: #000000; font-family: Times New Roman;">5)</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 9.67pt; width: 471.00pt;"><font style="color: #000000; font-family: Times New Roman;">paid as annuity payments under an immediate annuity; or</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 8.33pt;"><font style="color: #000000; font-family: Times New Roman;">6)</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 9.67pt; width: 471.00pt;"><font style="color: #000000; font-family: Times New Roman;">that come from Purchase Payments made before August 14, 1982.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">With respect to (4) above, if the series of substantially equal periodic payments is modified before the later of your attaining age
                59</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color: #000000; font-family: Times New Roman;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;">2</font><font style="color: #000000; font-family: Times New Roman;"> 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Non-Qualified Annuity Medicare Tax</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Payments for Financial Adviser Fees</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Please consult with your Financial Professional before requesting us to pay
                financial adviser fees from this Contract rather than from other assets you may have.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">RMDs From Qualified Contracts</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color: #000000; font-family: Times New Roman;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;">2</font><font style="color: #000000; font-family: Times New Roman;"> 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</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color: #000000; font-family: Times New Roman;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;">2</font><font style="color: #000000; font-family: Times New Roman;"> if you reached this age prior to January 1, 2020) or retire.</font></div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
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            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;69&#8201;</font></div>
          </div>
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      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_12"></a>
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          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Diversification</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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
                available variable investment options be managed by the investment advisers so that they comply with these diversification standards.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Owner Control</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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 any available variable investment 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Taxation of Annuity Payments</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Distributions Upon the Owner&#8217;s Death (or Annuitant&#8217;s Death If the Owner Is a
                Non-individual)</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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 </font></div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
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            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;70&#8201;</font></div>
          </div>
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      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_13"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">Non-Qualified Contracts contain provisions that are intended to comply with these Code requirements.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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. Proposed Treasury regulations would also require your beneficiary
                in certain circumstances to continue stretch payments during this 10-year period.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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. Proposed Treasury regulations would require you to receive a RMD each year if the Owner died on or after their required beginning date.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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. Proposed Treasury regulations provide some additional
                information. Further clarification of situations involving trust Beneficiaries is expected to be provided when the Treasury </font></div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;71&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_14"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-family: Times New Roman;">Department finalizes proposed 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Tax-Free Section 1035 Exchanges</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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:</font></div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">you might have to pay a withdrawal charge on your previous contract,</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">there is a new withdrawal charge period for this Contract,</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">other fees and expenses under this Contract may be higher (or lower),</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">the benefits may be different, and</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">you no longer have access to any benefits from your previous contract.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Multiple Non-Qualified Contracts Purchased In the Same Year By the Same Owner</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Assignments, Pledges and Gratuitous Transfers</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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 </font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;72&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_15"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Income Tax Withholding</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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:</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">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</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">RMDs; or</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">any part of a distribution not included in gross income (for example, returns of after-tax
                    contributions); or</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">hardship withdrawals.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Plan participants should consult a tax adviser regarding income tax withholding requirements.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Federal Estate Taxes</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Generation-Skipping Transfer Tax</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Foreign Tax Credits</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Possible Tax Law Changes</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 13.0pt; margin-top: 11pt;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 12.0pt; position: relative; top: -2pt; width: 494pt;"><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:lowercase;">12.</font><font style="color:#000000;font-family:Arial;font-size:11pt;line-height:13pt;text-transform:uppercase;">&#8194;</font><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Other Information</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">The Registered Separate Account</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">We established Allianz Life Variable Account B (the Separate Account) as a separate account under Minnesota insurance law on May 31,
                1985. 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.</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;73&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_16"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">The Separate Account holds the AZL Government Money Market Fund's 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 variable investment option. The only currently available variable investment option is the AZL Government Money Market Fund.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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 AZL Government Money Market Fund.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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. We are obligated to pay all amounts promised to investors under the Contracts.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Our General Account</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Our general account assets fund guarantees provided in the Contracts, including obligations associated with the death benefit.
                Contract Value that you apply to Annuity Payments becomes part of our general account.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Our Unregistered Separate Account</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">We hold the assets you allocate to the Index Options in Separate Account IANA, which we established under Minnesota Insurance Law
                for the purpose of supporting our obligations to pay Performance Credits. We invest the assets in Separate Account IANA in hedging instruments, including derivative hedging instruments such as put and call options, as well as cash and fixed
                income securities. Like our general account, the assets in Separate Account IANA 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 IANA. In addition, neither the Owner nor these Index Options participate in any way in the performance of assets held in Separate Account IANA.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Distribution</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">We may fund ALFS operating and other expenses, including:</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">overhead,</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">legal fees,</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;">
                  </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.0pt;"><font style="color: #000000; font-family: Times New Roman;">accounting fees,</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Financial Professional training,</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">compensation for the ALFS management team, and</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">other expenses associated with the Contracts.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;74&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_17"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">As of December 31, 2022, no Contract offered by this prospectus had been sold. Therefore, we have not included any underwriting
                commissions paid to ALFS.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">We and/or ALFS may pay certain selling firms additional marketing support allowances for:</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">marketing services and increased access to their Financial Professionals;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">sales promotions relating to the Contracts;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">costs associated with sales conferences and educational seminars;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">the cost of client meetings and presentations; and</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">other sales expenses incurred by them.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">We may also make payments for marketing and wholesaling support to broker-dealer affiliates of variable investment options that are
                available through the variable annuities we offer.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">Additional information regarding marketing support payments can be found in the Distributor section of the Statement of Additional
                Information.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">The AZL Government Money Market Fund assesses a Rule 12b-1 fee of 0.25% of the fund&#8217;s average daily net assets for the most recent
                calendar year. This fee is paid to ALFS as consideration for providing distribution and certain other services and incurring certain expenses permitted under the fund&#8217;s plan.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">In certain instances, an investment adviser and/or subadviser (and/or their affiliates) of a variable investment option may make
                payments for administrative services to ALFS or its affiliates.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;75&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_18"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Additional Credits for Certain Groups</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Administration/Allianz Service Center</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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 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:</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">issuance and maintenance of the Contracts,</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">maintenance of Owner records, and</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">routine customer service including:</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; margin-left: 14pt; width: 10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 3.37pt; width: 461.00pt;"><font style="color: #000000; font-family: Times New Roman;">processing of Contract changes,</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; margin-left: 14pt; width: 10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 3.37pt; width: 461.00pt;"><font style="color: #000000; font-family: Times New Roman;">processing withdrawal requests (both partial and total), and</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; margin-left: 14pt; width: 10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 3.37pt; width: 461.00pt;"><font style="color: #000000; font-family: Times New Roman;">processing requests for fixed annuity payments.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Services performed by Tata are overseen and quality control checked by our Service Center.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">To reduce expenses, only one copy of most financial reports and prospectuses, including reports and prospectus for the AZL
                Government Money Market Fund, 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Legal Proceedings</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">We and our subsidiaries, like other life insurance companies, 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Status Pursuant to Securities Exchange Act of 1934</font></div>
            <div style="line-height: 10.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">Allianz Life 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.</font></div>
            <div style="line-height: 13.0pt; margin-top: 11pt;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 12.0pt; position: relative; top: -2pt; width: 494pt;"><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:lowercase;">13.</font><font style="color:#000000;font-family:Arial;font-size:11pt;line-height:13pt;text-transform:uppercase;">&#8194;</font><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Information on Allianz Life</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">[To be updated by amendment]</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">Allianz Life is a stock life insurance company organized under the laws of the State of Minnesota in 1896. Our address is 5701 Golden
                Hills Drive, Minneapolis, MN 55416. We are a wholly owned 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 fixed index annuities, individual life insurance, and registered index-linked annuities. We are licensed to do direct business in 49 states and the District of Columbia.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Directors, Executive Officers and Corporate Governance</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">BOARD OF DIRECTORS</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">The Board currently consists of eight members, including our Chair, our President and Chief Executive Officer, our Chief Financial
                Officer and Treasurer, three&#160;independent outside board members, and two non-independent board members. Age and positions are provided as of December 31, 2022, except as otherwise noted.</font></div>
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            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
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            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">The Board holds regular quarterly meetings, generally in February, April/May, July/August, and October/November of each year, and
                holds special meetings or takes action by unanimous written consent as circumstances warrant.&#160;There were two special meetings of the Board held in 2021. The Board has standing Executive, Audit, and Nomination, Evaluation and Compensation
                Committees, each of which is described in further detail below.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">The current members of our Board are as follows.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Andreas G. Wimmer</font> <br>
              <font style="color: #000000; font-family: Times New Roman; font-weight: bold; margin-left: 0%;">Director and Chair of the Board</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Andreas G. Wimmer, age 47, currently serves as the Chair of Allianz Life&#8217;s Board of Directors and as the Chair of its Executive
                Committee, effective January 1, 2022. Mr. Wimmer currently serves as a Member of the Board of Management of Allianz SE since October 2021. Previously, Mr. Wimmer served as the Chief Executive Officer of Allianz Lebensversicherungs-AG from
                January 2020 to March 2022 and as a Member of the Board of Management of Allianz Deutschland AG from January 2020 to October 2021, respectively. Previously, Mr. Wimmer served as a member of the Board of Management, Corp. Clients of Allianz
                Lebensversicherungs-AG from 2015 to 2019.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Mr. Wimmer brings to the Board extensive experience in the financial services and insurance industries, as well as extensive
                experience in investments and asset management, including serving as a Member of the Board of Management of Allianz SE, Asset Management, US Life Insurance.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Jasmine M. Jirele</font> <br>
              <font style="color: #000000; font-family: Times New Roman; font-weight: bold; margin-left: 0%;">Director, President, and Chief Executive Officer</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Jasmine M. Jirele, age 44, joined Allianz Life in 2018 and currently serves as the President and Chief Executive Officer and a
                member of the Board of Directors and its Executive Committee effective September 1, 2021. Ms. Jirele also serves as the Chair of the Board and the Chief Executive Officer of Allianz Life of New York. She 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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 August 31, 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">Ms. Jirele brings to the Board extensive operations, product innovation, marketing and communications, growth strategy and insurance
                industry experience.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">William E. Gaumond</font> <br>
              <font style="color: #000000; font-family: Times New Roman; font-weight: bold; line-height: 12pt;"> </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; margin-left: 0%;">Director, Senior Vice President, Chief
                Financial Officer and Treasurer</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">William E. Gaumond, age 48, joined Allianz Life in 2004 and currently serves as Senior Vice President, Chief Financial Officer and
                Treasurer, and as a member of the Board of Directors since January 1, 2016. He also serves as a Director, the Chief Financial Officer and Treasurer and as a member of its Executive Committee and Chair of Finance Committee of Allianz Life of
                New York.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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, Allianz Technology of America, Inc., and PFP Holdings, Inc., respectively. He 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 </font></div>
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              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
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            <div style="line-height: 12.0pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Udo Frank</font> <br>
              <font style="color: #000000; font-family: Times New Roman; font-weight: bold; margin-left: 0%;">Director</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Udo Frank, age 62, joined Allianz Life&#8217;s Board of Directors on May 1, 2015 and also serves as the Lead Independent Director, the
                Chair of its Audit Committee and as a member of its Nomination, Evaluation and Compensation Committee and its Executive Committee. Mr. Frank has over 30 years of experience in the financial services and insurance industries. Mr. Frank
                worked for various Allianz SE investment and asset management affiliates from 1994 to 2014, including serving in numerous executive positions. In 2001, Mr. Frank was appointed as the Global Chief Executive Officer of RCM Capital Management,
                LLC. In 2012, he was appointed the Head of Product Management and Chief Marketing Officer of Allianz Global Investors &#8211; U.S.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Mr. Frank brings to the Board extensive experience in the financial services and insurance industries, as well as extensive
                experience in investments and asset management.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Anna Sophie Herken</font> <br>
              <font style="color: #000000; font-family: Times New Roman; font-weight: bold; margin-left: 0%;">Director</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Anna Sophie Herken, age 50, joined Allianz Life&#8217;s Board of Directors on October 1, 2019. She also serves as the Chair of Allianz
                Foundation for North America Board of Directors and as its President, effective October 15, 2021. She also serves as the Business Division Head of Allianz Asset Management GmbH since April of 2018. Ms. Herken also serves as a board member
                of CPIC Fund Management Ltd. since July 2019. Prior to that, Ms. Herken was Chief Financial Officer and Chief Operating Officer of Hasso Plattner Capital Germany from 2016 to 2018, Managing Director of Hertie School of Governance GmbH from
                2011 to 2016. Ms. Herken holds an MBA from the University of Cambridge, Law and Judge Degrees.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Ms. Herken brings to the Board extensive experience in the financial service industry, as well as extensive experience in working
                for international financial organizations with a focus on finance and asset management.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Kevin E. Walker</font> <br>
              <font style="color: #000000; font-family: Times New Roman; font-weight: bold; margin-left: 0%;">Director</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Kevin E. Walker, age 59, joined Allianz Life&#8217;s Board of Directors on May 23, 2017, and also serves as a member of its Audit
                Committee and Chair of its Nomination, Evaluation and Compensation Committee. Mr. Walker also serves on the Board of Directors of Allianz Life of New York as of October 1, 2018. 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Mr. Walker brings to the Board extensive experience in the insurance industry, as well as extensive experience in finance and
                operations.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Walter R. White</font> <br>
              <font style="color: #000000; font-family: Times New Roman; font-weight: bold; margin-left: 0%;">Director</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Walter R. White, age 65, joined Allianz Life in 2009, became an Allianz Life Board member in 2012. Previously, Mr. White served as
                the President and Chief Executive Officer from January 1, 2012 through September 1, 2021, and most recently as Senior Advisor through December 31, 2021. Mr. White also previously served as the Chair of the Board and the Chief Executive
                Officer of Allianz Life of New York, and as a Board member and the President of AZOA Services Corporation and served as the Chair of its Shared Plans Management Committee. Mr. White also served as a Governor of Allianz Individual Insurance
                Group, LLC, Allianz Investment Management LLC, Allianz Investment Management U.S. LLC, and TruChoice Financial Group, LLC, respectively. In addition, Mr. White previously served as a Director of Questar Capital Corporation and Questar
                Agency, Inc. Mr. White served as Chair, Chief Executive Officer and President of Allianz Life and Annuity Company from 2012 to 2017.</font></div>
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            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
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            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;78&#8201;</font></div>
          </div>
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    <div>
      <div> <a name="xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_21"></a>
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          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">Mr. White brings to the Board extensive financial services and brokerage experience as well as key strategic planning and leadership
                skills developed as the former President and Chief Executive Officer of Allianz Life and the former President of Woodbury Financial.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Howard E. Woolley</font> <br>
              <font style="color: #000000; font-family: Times New Roman; font-weight: bold; margin-left: 0%;">Director</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Howard E. Woolley, age 64, joined Allianz Life&#8217;s Board of Directors on May 1, 2020 and is a member of its Audit Committee and its
                Nomination, Evaluation and Compensation Committee. In 2015, Mr. Woolley formed Howard Woolley Group LLC, a strategic business and public policy firm serving leading technology and wireless industry clients, and serves as its President. He
                is a leader in the field of regulatory risk management, public policy, and government affairs. Mr. Woolley is an NACD Leadership Fellow and an international member of the Australian Institute of Company Directors. Howard serves on the board
                of directors of Apple Hospitality REIT, Inc., a publicly traded real estate investment trust that owns hotels across the United States. He also serves as the Lead Independent Director, Chair of the Nominations and Governance Committee and
                is a member of the Compensation Committee for telecommunications company SOMOS Inc. He serves on the boards of trustees for Johns Hopkins Medicine, Johns Hopkins University and Syracuse University. Mr. Woolley is co-chair of the Johns
                Hopkins University &amp; Medicine External Affairs Committee and serves on the Johns Hopkins Medicine Executive Committee and the Syracuse University Audit and Academic Affairs Committees.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Mr. Woolley brings to the Board more than 20 years of extensive board experience and brings a wealth of experience and insights in
                several areas, including risk management.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">EXECUTIVE OFFICERS</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">The current executive officers (other than Ms. Jirele and Mr. Gaumond) are as follows. Age and positions are provided as of
                December 31, 2022, except as otherwise noted.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Eric J. Thomes</font> <br>
              <font style="color: #000000; font-family: Times New Roman; font-weight: bold; margin-left: 0%;">Senior Vice President, Chief Distribution Officer</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Eric J. Thomes, age 49, joined Allianz Life in 1995 and currently serves as the Senior Vice President, Chief Distribution Officer
                of Allianz Life since April 1, 2019. He also serves as the President and a Director of Allianz Life of New York. 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. He also serves as the Chair and as a Director of Yorktown 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Gretchen Cepek</font> <br>
              <font style="color: #000000; font-family: Times New Roman; font-weight: bold; margin-left: 0%;">Senior Vice President, General Counsel, and Secretary</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Gretchen Cepek, age 53, joined Allianz Life in 2009 and currently serves as Senior Vice President, General Counsel and Secretary
                since February 17, 2012. In this role, Ms. Cepek is responsible for the legal, ethics, and compliance departments as well as government relations and the special investigations unit. She also serves as the Chief Legal Officer and Secretary
                of Allianz Life of New York, and 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, and the Vice President of Legal Business
                Operations, Distribution and Product Development of Allianz Life from 2009 to 2012. Ms. Cepek received her J.D. from Valparaiso University School of Law in 1993.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Susan M. Sachatello</font> <br>
              <font style="color: #000000; font-family: Times New Roman; font-weight: bold; margin-left: 0%;">Senior Vice President, Chief Growth Officer</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">Susan M. Sachatello, age 55, joined Allianz Life in September 2021 and currently serves as the Senior Vice President, Chief Growth
                Officer and as a Governor of Allianz Strategic Investments LLC. Ms. Sachatello leads development of the Company&#8217;s strategy, and has overall accountability for New Markets, Ventures, Product Innovation, Enterprise Marketing and Experience
                Management, Strategic Communications, Community Engagement and Sponsorships, and Enterprise Agile.</font></div>
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              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
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            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;79&#8201;</font></div>
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    <div>
      <div> <a name="xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_22"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">Previously, Ms. Sachatello was the Chief Marketing and Sales Officer of Principal Advisory Services within Principal Financial Group
                from May 2020 to September 2021 where she built a team to deliver effective marketing, strategy, distribution and customer and advisor experience for a board-directed growth business extending the strength in group distribution into a new
                Individual business model across Retirement, Annuity and Life product lines. Ms. Sachatello was also the Senior Vice President, Marketing and Customer Experience of CUNA Mutual Group from 2011 to 2020 where she directed strategy, CX,
                marketing, sales and customer operations for a $1.4B business selling life, health and auto insurance. Ms. Sachatello also held Chief Marketing Officer positions for Lands&#8217; End, LBrands, and DoubleClick (now Google Ad Manager). Ms.
                Sachatello holds a Bachelor of Arts degree in Economics and English from the University of Richmond, and a Master of Business Administration from the College of William and Mary.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Neil H. McKay</font> <br>
              <font style="color: #000000; font-family: Times New Roman; font-weight: bold; margin-left: 0%;">Senior Vice President, Chief Actuary</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">Neil H. McKay, age 60, joined Allianz Life in 1999 and currently serves as the Senior Vice President, Chief Actuary of Allianz Life
                since May 15, 2000. Mr. McKay also serves as the Chief Actuary of Allianz Life of New York since April 8, 2014. He also served as a Director and the 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 and Allianz Life of New York, including the actuarial assumptions underlying its products and the rate setting associated with existing and new products.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Jean-Roch P.F. Sibille</font> <br>
              <font style="color: #000000; font-family: Times New Roman; font-weight: bold; margin-left: 0%;">Senior Vice President, Chief Investment Officer</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">Jean-Roch P.F. Sibille, age 39, joined Allianz Life in 2019 and currently serves as the Senior Vice President, Chief Investment
                Officer since May 3, 2022. He also currently serves as the Chief Investment Officer of Allianz Life of New York, and the Chief Investment Officer of Allianz Life Insurance Company of Missouri, LLC, respectively. Mr. Sibille is a Governor
                and the Chief Executive Officer of Allianz Investment Management U.S. LLC and a Governor of Allianz Strategic Investments, LLC, respectively. In addition, he also serves as a Director and Vice President and Treasurer of AZL PF Investments
                Inc., Dresdner Kleinwort Pfandbriefe Investments II Inc., and Allianz Fund Investments, Inc., respectively. Mr. Sibille leads the investment management, liquidity planning, hedging, and trading functions at Allianz Life. He is also a member
                of the global Allianz Investment Management Board, which serves the Allianz Group of insurance companies. Previously, Mr. Sibille served as the Senior Vice President, Chief Risk Officer and Chief Credit Officer of Allianz Life and as the
                Chief Risk Officer of Allianz Life of New York from January 2019 to May 2022. Prior to his current roles, he spent four years at Allianz SE as the Head of Market Risk Management and Risk Reporting, and Head of the Independent Validation
                Unit. Mr. Sibille also has broad work experience in risk management with AXA Belgium and McKinsey and Company.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">Mr. Sibille earned an Executive Master of Business Administration at the Kellogg-WHU School of Management, a Ph.D. in Finance from
                the University of Li&#1104;ge, and a Master in Business Engineering at the University of Namur.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Jenny L. Guldseth</font> <br>
              <font style="color: #000000; font-family: Times New Roman; font-weight: bold; margin-left: 0%;">Senior Vice President, Chief Human Resources Officer</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">Jenny L. Guldseth, age 46, joined Allianz Life in 2005 and currently serves as the Senior Vice President, Human Resources Officer
                since January 1, 2019. In this position, Ms. Guldseth is responsible for setting strategy and leading the Human Resources and Facilities departments to improve business results and increase employee engagement. Ms. Guldseth is also a
                Director of the Allianz Foundation for North America, the Chief Human Resources Officer of AZOA Services Corporation, and the Chair of its Employee Benefits Administration Committee and a member of its Benefit Plans Investment Committee and
                the Shared Plans Management Committee, respectively. Ms. Guldseth has over ten years of experience at Allianz Life, including having served as the Vice President, Rewards and Performance from 2017 to 2018, the Assistant Vice President of
                Rewards and Performance from 2013 to 2017, and Manager, Human Resource Business Partner from 2010 to 2013. In these positions, she was responsible for the Performance and Compensation functions for Allianz Life and the benefits functions
                for multiple U.S.-based affiliate companies.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">CORPORATE GOVERNANCE</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Committees of the Board</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">The Executive Committee of the Board (&#8220;Executive Committee&#8221;) is currently composed of Mr. Wimmer (Chair), effective January 1, 2022,
                and Ms. Jirele&#160;(who replaced Mr. White as a committee member as of September 1, 2021) and Mr. Frank. 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&#8217;s By-Laws. The Executive Committee&#160;did not meet in 2021.</font></div>
          </div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;80&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_23"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">The Audit Committee of the Board is currently composed of Messrs. Frank (Chair), Walker&#160;and Woolley. The Audit Committee is
                responsible for overseeing Allianz Life&#8217;s accounting and financial reporting and control processes on behalf of the Board, which includes assisting with Board oversight of (1) quality and integrity of Allianz Life&#8217;s financial statements,
                (2) Allianz Life's compliance with legal and regulatory requirements, (3) the qualifications, independence and fees of the independent-auditors, (4) Allianz Life&#8217;s system of internal controls and (5) the performance of Allianz Life's
                internal audit function. The Board has determined that each member of the Audit Committee is financially literate. The Audit Committee met four times in 2022.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">The Nomination, Evaluation and Compensation Committee (NEC Committee) is currently composed of Messrs. Walker&#160;(Chair), Frank
                and&#160;Woolley. The NEC Committee&#8217;s purpose is to (1) nominate candidates for director for election, (2) evaluate the performance of officers deemed to be &#8220;principal officers,&#8221; and (3) recommend to the Board the selection and compensation of
                the &#8220;principal officers.&#8221; The NEC Committee met once in 2022.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Independence of Certain Directors</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Allianz Life 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 required under the Model Audit Rule. Applying the independence standards of the Model Audit Rule to the current members of the Board, the Board has determined that Messrs. Frank, Walker and
                Woolley are &#8220;independent&#8221; under the Model Audit Rule.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Code of Ethics</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">All of our officers and employees, including our Chief Executive Officer, Chief Financial Officer and Controller, are subject to
                Allianz Life&#8217;s Code of Ethics.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Executive Compensation</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">Compensation Discussion and Analysis</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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; For 2022, our NEOs were:</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Walter R. White,</font><font style="color: #000000; font-family: Times New Roman;"> President and Chief Executive Officer</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Jasmine M. Jirele</font><font style="color: #000000; font-family: Times New Roman;">, President and Chief Executive Officer</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">William E. Gaumond</font><font style="color: #000000; font-family: Times New Roman;">, Senior Vice President, Chief Financial Officer and Treasurer</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Eric J. Thomes</font><font style="color: #000000; font-family: Times New Roman;">, Senior Vice President, Chief Distribution Officer</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Neil H. McKay</font><font style="color: #000000; font-family: Times New Roman;">,
                    Senior Vice President, Chief Actuary</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.0pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Gretchen Cepek</font><font style="color: #000000; font-family: Times New Roman;">,
                    Senior Vice President, General Counsel, and Secretary</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:1.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 10pt; width: 9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(1)</font></div>
                <div style="float: left; line-height: 10pt; margin-left: 8.68pt; width: 471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">Mr. White served as President and Chief Executive Officer until September 1, 2021, he
                    then transitioned to Senior Advisor until his retirement on December 31, 2021.</font><font style="color:#000000;font-family:Times New Roman;font-size:8pt;line-height:10pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:1.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 10pt; width: 9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(2)</font></div>
                <div style="float: left; line-height: 10pt; margin-left: 8.68pt; width: 471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">Ms. Jirele has served as President and Chief Executive Officer since September 1,
                    2021, prior to that she was the Senior Vice President, Chief Growth Officer.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">Executive Summary</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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. 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&#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.</font></div>
          </div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;81&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_24"></a>
        <div style="page-break-after:always;position:relative;">
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            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">Compensation Philosophy and Strategy</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Overview</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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:</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">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;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">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;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.0pt;"><font style="color: #000000; font-family: Times New Roman;">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</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">structuring compensation packages and outcomes to foster internal pay equity.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Compensation Components</font><font style="color: #000000; font-family: Times New Roman; font-style: italic; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="line-height: 0.0pt;"> </div>
            <div style="margin-top:0.0%;">
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                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:245pt;">
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                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:130.5pt;">
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                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:118.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Base Salary</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:245pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fixed rate of pay that compensates employees for fulfilling their </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">basic job responsibilities. For NEOs, increases are generally </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">provided in the case of a significant increase in responsibilities </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">or a significant discrepancy versus the market.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:130.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Attract and retain high-caliber </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">leadership.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:74pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:118.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Incentive Plan</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:245pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Incentive compensation that promotes and rewards the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">achievement of annual performance objectives through awards </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">under the Allianz Life Annual Incentive Plan (&#8220;AIP&#8221;).</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:130.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Link compensation to annual </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">performance results.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Attract and motivate </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">high-caliber leadership.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Align the interests of NEOs </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">and our stockholder.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:50pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:118.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Performance-Based Equity </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Incentives</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:245pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Incentive compensation through restricted stock unit awards </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">made under the Allianz Equity Incentive Plan (&#8220;AEI&#8221;) that </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">promotes and rewards the achievement of long term </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">performance objectives.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:130.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Retain high-caliber leadership </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">with multi-year vesting.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Align the interests of NEOs </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">and our stockholder.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:62pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:118.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Severance Arrangements</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:245pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Severance payments to employees, including NEOs, under </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">certain company-initiated termination events.</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:130.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Compensate employees for </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">situations where the employee&#8217;s </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">employment is involuntarily </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">terminated in a qualifying </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">termination of employment.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:59pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:118.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Perquisites-Benefits</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:245pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Perquisites provided to our NEOs include employer matching </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">contributions to the NEOs&#8217; accounts in the 401(k) plan and may </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">also include the payment of life insurance premiums, relocation </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">reimbursements, and reimbursements for financial planning, tax </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">preparation services, and spousal travel expenses.</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:130.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Provide market competitive total </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">compensation package.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height: 12.0pt; margin-top: 9pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">How Compensation Decisions Are Made</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Role of the Board of Directors and Compensation Committee</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">The framework governing the executive compensation policies for Allianz Life, 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 </font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;82&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_25"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-family: Times New Roman;">Committee. Any such decisions are made by Allianz SE, subject to review by the NEC Committee, 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:</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Review and approve the establishment of, or material modification to, any executive incentive
                    compensation plans or programs for Allianz Life.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Review and approve any employment agreements proposed to be made with any prospective or current
                    employee of Allianz Life.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Role of the Chief Executive Officer</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Role of Allianz Life&#8217;s Human Resources</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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:</font></div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">evaluating the compensation data from industry groups, national executive pay surveys, and other
                    sources for the NEOs and other executive officers as appropriate;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">gathering and correlating performance ratings and reviews for individual executive officers,
                    including the NEOs;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
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          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;83&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_26"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div>
              <div style="clear:both;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">reviewing executive compensation recommendations against appropriate market data and for internal
                    consistency and equity; and</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">reporting to, and answering requests for information from, the Compensation Committee.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Allianz Life&#8217;s Human Resources officers also coordinate and share information with their counterparts at Allianz SE.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">Use of Competitive Compensation Data</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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
                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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Internal Pay Equity Analysis</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">Components of Total Compensation For Our NEOs</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Base Salary</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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 2022 for recommendation to the NEC Committee. Base salaries for our other NEOs for 2022 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.</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;84&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_27"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">AIP</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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:</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.0pt;"><font style="color: #000000; font-family: Times New Roman;">reward the performance of participants who have made significant contributions to the achievement
                    of annual goals and objectives;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">provide an incentive that will encourage future superior individual performance; and</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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 2022 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">AEI</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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:</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.0pt;"><font style="color: #000000; font-family: Times New Roman;">reward the performance of participants who have made significant contributions to the achievement
                    of their company&#8217;s annual goals and objectives,</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">provide an incentive that will encourage future superior individual performance, and</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">encourage the retention of employees who have demonstrated exceptional performance and/or are
                    anticipated to significantly contribute to the long-term success Allianz.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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 2022 fiscal year relative to the AEI allocation amount.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Benefit Perquisites</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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 2022 are included in the column entitled &#8220;All Other Compensation&#8221; in the Summary Compensation Table included in this section.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Certain Retention Arrangements&#160;</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Allianz Life&#8217;s offer letter to Jasmine M. Jirele included a retention bonus arrangement related to her onboarding in her capacity
                as Senior Vice President, Chief Growth Officer. The retention bonus payments will be paid through 2022 so long as she remains employed with Allianz Life, and the arrangement requires repayment of certain amounts if Ms. Jirele voluntarily
                terminates her employment within a certain period.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Severance Arrangements</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
          </div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;85&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_28"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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;</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">Other Compensation Policies</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Tax and Accounting Implications</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; text-decoration: underline;">Stock-Based Compensation</font><font style="color: #000000; font-family: Times New Roman;">.
                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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Recently Discontinued Compensation Programs</font><font style="color: #000000; font-family: Times New Roman; font-style: italic; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
          </div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;86&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_29"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">Summary Compensation Table</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">The following table sets forth the compensation paid by Allianz Life for the year ended December 31, 2022 to our NEOs. The
                executive compensation information in this prospectus is shown for a one-year period.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="line-height: 0.0pt;"> </div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="zdbec964e2c4d4fe2a7902781a85b1f7d">

                  <tr style="height:32.5pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:139.64pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Name and Principal</font></div>
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Position</font></div>
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(a)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Year</font></div>
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(b)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:39.36pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Salary</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(c)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:39.36pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Bonus</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(d)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:44.83pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Stock</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Awards</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(e)</font><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">(3)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:103.39pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Non-Equity</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Incentive Plan Compensation</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(g)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:57.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">All Other</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Compensation</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(i)</font><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">(4)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:43.33pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Total</font></div>
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(j)</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:21pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:139.64pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Walter R. White</font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">President and Chief Executive Officer</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2021</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:39.36pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:6.00pt;margin-right:6.00pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$865,100</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:39.36pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:6.00pt;margin-right:6.00pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$300,000</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:44.83pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:6.00pt;margin-right:6.00pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$2,335,770</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:103.39pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:35.28pt;margin-right:35.28pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$1,557,180</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:57.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:16.895pt;margin-right:16.895pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$22,665</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:43.33pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$5,080,715</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:21pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:139.64pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Jasmine M. Jirele</font><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-3.25pt;">(1,2)</font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">President and Chief Executive Officer</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2021</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:39.36pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:6.00pt;margin-right:6.00pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$561,958</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:39.36pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:6.00pt;margin-right:6.00pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$390,000</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:44.83pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:6.00pt;margin-right:6.00pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$1,068,303</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:103.39pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:35.28pt;margin-right:35.28pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">712,202</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:57.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:16.895pt;margin-right:16.895pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$22,516</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:43.33pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$2,754,979</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:31pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:139.64pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">William E. Gaumond</font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">Senior Vice President, Chief Financial </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">Officer and Treasurer</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2021</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:39.36pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:6.00pt;margin-right:6.00pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$475,900</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:39.36pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:6.00pt;margin-right:6.00pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$300,000</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:44.83pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:6.00pt;margin-right:6.00pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">770,958</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:103.39pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:35.28pt;margin-right:35.28pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">513,972</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:57.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:16.895pt;margin-right:16.895pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$22,437</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:43.33pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$2,083,267</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:31pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:139.64pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Eric J. Thomes</font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">Senior Vice President, Chief Distribution </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">Officer</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2021</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:39.36pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:6.00pt;margin-right:6.00pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$535,500</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:39.36pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:6.00pt;margin-right:6.00pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$320,000</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:44.83pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:6.00pt;margin-right:6.00pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">867,510</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:103.39pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:35.28pt;margin-right:35.28pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">578,340</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:57.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:16.895pt;margin-right:16.895pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$22,548</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:43.33pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$2,323,898</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:21pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:139.64pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Neil H. McKay</font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">Senior Vice President, Chief Actuary</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2021</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:39.36pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:6.00pt;margin-right:6.00pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$510,000</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:39.36pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:6.00pt;margin-right:6.00pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:3.65pt;">50,000</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:44.83pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:6.00pt;margin-right:6.00pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">926,200</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:103.39pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:35.28pt;margin-right:35.28pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">550,800</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:57.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:16.895pt;margin-right:16.895pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$24,397</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:43.33pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$2,061,397</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:28.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:139.64pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Gretchen Cepek</font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">Senior Vice President, General Counsel and </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">Secretary</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2021</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:39.36pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:6.00pt;margin-right:6.00pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$469,500</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:39.36pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:6.00pt;margin-right:6.00pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.48pt;">110,000</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:44.83pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:6.00pt;margin-right:6.00pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">733,825</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:103.39pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:35.28pt;margin-right:35.28pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">422,550</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:57.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:16.895pt;margin-right:16.895pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$22,167</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:43.33pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$1,758,042</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div>
              <div style="clear:both;margin-top:9.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 10pt; width: 9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(1)</font></div>
                <div style="float: left; line-height: 10pt; margin-left: 8.68pt; width: 471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">Represents compensation paid during her time as Senior Vice President, Chief Growth
                    Officer and President and Chief Executive Officer.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:1.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 10pt; width: 9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(2)</font></div>
                <div style="float: left; line-height: 10pt; margin-left: 8.68pt; width: 471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">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.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:1.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 10pt; width: 9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(3)</font></div>
                <div style="float: left; line-height: 10pt; margin-left: 8.68pt; width: 471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">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 2022 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.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:1.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 10pt; width: 9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(4)</font></div>
                <div style="float: left; line-height: 10pt; margin-left: 8.68pt; width: 471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">The following table provides additional details regarding compensation found in the
                    &#8220;All Other Compensation&#8221; column.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 0.0pt; margin-top: 6.0pt;"> </div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:21pt;width:420pt;" id="z9f11039189484abbb673b45418b6e4e2">

                  <tr style="height:32.5pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:89.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Name</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Year</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:37.49pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Spousal</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Travel</font><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">(5)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:55.84pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Milestone/</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Anniversary/</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Recognition</font><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">(6)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:56.43pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Life Insurance</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Premiums</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:62.61pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Employer Match</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">to 401(k) Plan</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:57.26pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">ASAAP</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Contribution</font><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">(7)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:34.21pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Total</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:89.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Walter R. White</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2021</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:37.49pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:11.45pt;margin-right:11.45pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:10.24pt;">--</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.84pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:17.89pt;margin-right:17.89pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:15.72pt;">--</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:56.43pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:20.92pt;margin-right:20.92pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$915</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:62.61pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:19.45pt;margin-right:19.45pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$21,750</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:57.26pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:18.60pt;margin-right:18.60pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:15.72pt;">--</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:34.21pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$22,665</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:89.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Jasmine M. Jirele</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2021</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:37.49pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:11.45pt;margin-right:11.45pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:10.24pt;">--</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.84pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:17.89pt;margin-right:17.89pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">350</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:56.43pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:20.92pt;margin-right:20.92pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$416</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:62.61pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:19.45pt;margin-right:19.45pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$19,500</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:57.26pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:18.60pt;margin-right:18.60pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$2,250</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:34.21pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$22,516</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:89.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">William E. Gaumond</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2021</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:37.49pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:11.45pt;margin-right:11.45pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:10.24pt;">--</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.84pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:17.89pt;margin-right:17.89pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:15.72pt;">--</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:56.43pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:20.92pt;margin-right:20.92pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$687</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:62.61pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:19.45pt;margin-right:19.45pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$19,500</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:57.26pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:18.60pt;margin-right:18.60pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$2,250</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:34.21pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$22,437</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:89.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Eric J. Thomes</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2021</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:37.49pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:11.45pt;margin-right:11.45pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:10.24pt;">--</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.84pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:17.89pt;margin-right:17.89pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:15.72pt;">--</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:56.43pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:20.92pt;margin-right:20.92pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$798</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:62.61pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:19.45pt;margin-right:19.45pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$19,500</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:57.26pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:18.60pt;margin-right:18.60pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$2,250</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:34.21pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$22,548</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:89.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Neil H. McKay</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2021</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:37.49pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:11.45pt;margin-right:11.45pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$200</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.84pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:17.89pt;margin-right:17.89pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$1,700</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:56.43pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:20.92pt;margin-right:20.92pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$747</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:62.61pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:19.45pt;margin-right:19.45pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$21,750</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:57.26pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:18.60pt;margin-right:18.60pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:15.72pt;">--</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:34.21pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$24,397</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:8.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:89.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Gretchen Cepek</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2021</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:37.49pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:11.45pt;margin-right:11.45pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:10.24pt;">--</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.84pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:17.89pt;margin-right:17.89pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:15.72pt;">--</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:56.43pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:20.92pt;margin-right:20.92pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$417</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:62.61pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:19.45pt;margin-right:19.45pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$21,750</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:57.26pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:18.60pt;margin-right:18.60pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:15.72pt;">--</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:34.21pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$22,167</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div>
              <div style="clear:both;margin-top:9.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 10pt; width: 9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(5)</font></div>
                <div style="float: left; line-height: 10pt; margin-left: 8.68pt; width: 471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">Represents reimbursement or payments made to defray the costs of a spouse&#8217;s travel.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:1.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 10pt; width: 9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(6)</font></div>
                <div style="float: left; line-height: 10pt; margin-left: 8.68pt; width: 471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">Represents Milestone Anniversary Program, which pays a bonus at three and five year
                    anniversaries, and then every five years thereafter.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:1.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 10pt; width: 9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(7)</font></div>
                <div style="float: left; line-height: 10pt; margin-left: 8.68pt; width: 471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">Represents company matching contribution to the Allianz Supplemental Asset
                    Accumulation Plan for deferrals in excess of IRS compensation limit.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">Performance-Based Incentive Compensation Plans</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">AIP</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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 the long-term success of Allianz Life. 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 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.</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;87&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_30"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">AEI</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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).</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">Grants of Plan-Based Awards</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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, 2022.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="line-height: 0.0pt;"> </div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z671b8174084b4436b6d6fbd722661bbb">

                  <tr style="height:22.5pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:106.5pt;" rowspan="2">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Name</font></div>
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(a)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:55.57pt;" rowspan="2">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Grant Date</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(b)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:166.71pt;" colspan="3">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Estimated Future Payouts Under
                            Non-Equity </font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Incentive Plan Awards</font><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">(1)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:165.21pt;" colspan="3">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Estimated Future Payouts Under Equity
                            Incentive </font></div>
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Plan Awards</font><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">(2,3)</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:21pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Threshold ($)</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(c)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Target ($)</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(d)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Maximum ($)</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(e)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Threshold ($)</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(f)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Target ($)</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(g)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:54.07pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Maximum ($)</font></div>
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(h)</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Walter R. White</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:15.02pt;margin-right:15.02pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">3/4/2022</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:24.135pt;margin-right:24.135pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:24.135pt;margin-right:24.135pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:54.07pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">RSUs (under AEI)</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:15.02pt;margin-right:15.02pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:24.135pt;margin-right:24.135pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:24.135pt;margin-right:24.135pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$0</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$1,557,180</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:54.07pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$7,007,310</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">AIP Award</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:15.02pt;margin-right:15.02pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:24.135pt;margin-right:24.135pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$0</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$1,038,120</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$1,557,180</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:24.135pt;margin-right:24.135pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:54.07pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Jasmine M. Jirele</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:15.02pt;margin-right:15.02pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">3/4/2022</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:24.135pt;margin-right:24.135pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:24.135pt;margin-right:24.135pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:54.07pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">RSUs (under AEI)</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:15.02pt;margin-right:15.02pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:24.135pt;margin-right:24.135pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:24.135pt;margin-right:24.135pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$0</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">712,202</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:54.07pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$3,204,909</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">AIP Award</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:15.02pt;margin-right:15.02pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:24.135pt;margin-right:24.135pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$0</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">474,802</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">949,604</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:24.135pt;margin-right:24.135pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:54.07pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">William E. Gaumond</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:15.02pt;margin-right:15.02pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">3/4/2022</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:24.135pt;margin-right:24.135pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:24.135pt;margin-right:24.135pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:54.07pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">RSUs (under AEI)</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:15.02pt;margin-right:15.02pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:24.135pt;margin-right:24.135pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:24.135pt;margin-right:24.135pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$0</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">513,972</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:54.07pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$2,312,874</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">AIP Award</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:15.02pt;margin-right:15.02pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:24.135pt;margin-right:24.135pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$0</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">342,648</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">513,972</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:24.135pt;margin-right:24.135pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:54.07pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Eric J. Thomes</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:15.02pt;margin-right:15.02pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">3/4/2022</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:24.135pt;margin-right:24.135pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:24.135pt;margin-right:24.135pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:54.07pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">RSUs (under AEI)</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:15.02pt;margin-right:15.02pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:24.135pt;margin-right:24.135pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:24.135pt;margin-right:24.135pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$0</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">578,340</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:54.07pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$2,602,530</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">AIP Award</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:15.02pt;margin-right:15.02pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:24.135pt;margin-right:24.135pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$0</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">385,560</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">578,340</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:24.135pt;margin-right:24.135pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:54.07pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Neil H. McKay</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:15.02pt;margin-right:15.02pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">3/4/2022</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:24.135pt;margin-right:24.135pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:24.135pt;margin-right:24.135pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:54.07pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">RSUs (under AEI)</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:15.02pt;margin-right:15.02pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:24.135pt;margin-right:24.135pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:24.135pt;margin-right:24.135pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$0</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">550,800</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:54.07pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$2,478,600</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">AIP Award</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:15.02pt;margin-right:15.02pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:24.135pt;margin-right:24.135pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$0</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">367,200</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">550,800</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:24.135pt;margin-right:24.135pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:54.07pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Gretchen Cepek</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:15.02pt;margin-right:15.02pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">3/4/2022</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:24.135pt;margin-right:24.135pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:24.135pt;margin-right:24.135pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:54.07pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">RSUs (under AEI)</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:15.02pt;margin-right:15.02pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:24.135pt;margin-right:24.135pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:24.135pt;margin-right:24.135pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$0</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">422,550</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:54.07pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$1,901,475</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:8.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">AIP Award</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:15.02pt;margin-right:15.02pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:24.135pt;margin-right:24.135pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$0</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">281,700</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">422,550</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:24.135pt;margin-right:24.135pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:55.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:11.37pt;margin-right:11.37pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:54.07pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div>
              <div style="clear:both;margin-top:9.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 10pt; width: 9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(1)</font></div>
                <div style="float: left; line-height: 10pt; margin-left: 8.68pt; width: 471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">The target and maximum columns show the target award and maximum award for 2022 for
                    each NEO under the AIP. There is no threshold amount for any participant in the AIP. The actual 2022 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.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:1.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 10pt; width: 9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(2)</font></div>
                <div style="float: left; line-height: 10pt; margin-left: 8.68pt; width: 471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">RSUs have a vesting schedule as disclosed in the footnotes to the Summary Compensation
                    Table. See &#8220;Outstanding Equity Awards at December 31, 2022&#8221; for disclosure regarding the number of RSUs that are unvested as of December 31, 2022.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:1.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 10pt; width: 9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(3)</font></div>
                <div style="float: left; line-height: 10pt; margin-left: 8.68pt; width: 471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">The target and maximum columns show the target award and maximum award for 2022 for
                    each NEO under the AEI. There is no threshold amount for any participant in the AEI. The actual 2022 awards granted to the NEOs are listed in the Stock Awards column of the Summary Compensation Table.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;88&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_31"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">Outstanding Equity Awards at December 31, 2022</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">The following table sets forth the outstanding equity awards at the December 31, 2022 fiscal year-end. The table shows RSUs granted
                pursuant to the AEI.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="line-height: 0.0pt;"> </div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="za310857970d3444db300f3cc1f9305c2">

                  <tr style="height:12.5pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:106.5pt;" rowspan="2">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Name</font></div>
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(a)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:387.5pt;" colspan="2">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">RSUs</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:41pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:194.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Number of RSUs</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">That Have Not</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Vested</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(g)</font><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">(1,2)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:193pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Market Value of</font></div>
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">RSUs That Have</font></div>
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Not Vested</font></div>
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(h)</font><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">(3)</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Walter R. White</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:89.045pt;margin-right:89.045pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:89.045pt;margin-right:89.045pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">7,030</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$1,637,920</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:89.045pt;margin-right:89.045pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">5,239</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$1,220,635</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:89.045pt;margin-right:89.045pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">6,097</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$1,420,540</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:89.045pt;margin-right:89.045pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">8,139</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$1,896,306</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Jasmine M. Jirele</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:89.045pt;margin-right:89.045pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:89.045pt;margin-right:89.045pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.77pt;">0</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:25.53pt;">0</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:89.045pt;margin-right:89.045pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">1,467</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">341,796</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:89.045pt;margin-right:89.045pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">1,886</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">439,419</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:89.045pt;margin-right:89.045pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2,407</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">560,807</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">William E. Gaumond</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:89.045pt;margin-right:89.045pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:89.045pt;margin-right:89.045pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2,039</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">475,067</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:89.045pt;margin-right:89.045pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">1,538</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">358,339</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:89.045pt;margin-right:89.045pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">1,948</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">453,865</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:89.045pt;margin-right:89.045pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2,463</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">573,854</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Eric J. Thomes</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:89.045pt;margin-right:89.045pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:89.045pt;margin-right:89.045pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">492</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.95pt;">114,631</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:89.045pt;margin-right:89.045pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">457</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">106,476</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:89.045pt;margin-right:89.045pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">1,474</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">343,427</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:89.045pt;margin-right:89.045pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">3,625</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">844,589</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Neil H. McKay</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:89.045pt;margin-right:89.045pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:89.045pt;margin-right:89.045pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2,203</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">513,277</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:89.045pt;margin-right:89.045pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">1,731</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">403,306</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:89.045pt;margin-right:89.045pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2,123</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">494,638</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:89.045pt;margin-right:89.045pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2,503</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">583,174</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Gretchen Cepek</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:89.045pt;margin-right:89.045pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:89.045pt;margin-right:89.045pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">1,538</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">358,339</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:89.045pt;margin-right:89.045pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">1,413</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">329,215</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:89.045pt;margin-right:89.045pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">1,512</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">352,281</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:8.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:89.045pt;margin-right:89.045pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">1,789</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">416,819</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div>
              <div style="clear:both;margin-top:9.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 10pt; width: 9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(1)</font></div>
                <div style="float: left; line-height: 10pt; margin-left: 8.68pt; width: 471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">Represents unvested RSUs issued pursuant to the AEI. RSUs issued under the AEI during
                    2022 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.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:1.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 10pt; width: 9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(2)</font></div>
                <div style="float: left; line-height: 10pt; margin-left: 8.68pt; width: 471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">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 2024, the RSUs listed on the third line will exercise in 2024, and the RSUs listed on the fourth line will exercise in 2025.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:1.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 10pt; width: 9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(3)</font></div>
                <div style="float: left; line-height: 10pt; margin-left: 8.68pt; width: 471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">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.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;89&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_32"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">Allianz SE Option Exercises and Stock Grants Vested in 2022</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">The following table summarizes the value received from Allianz SE stock grants vested during the year ended December 31, 2022.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="line-height: 0.0pt;"> </div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z3abae71446d94483b040be49fd936009">

                  <tr style="height:12.5pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:106.5pt;" rowspan="2">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Name</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:387.5pt;" colspan="2">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Stock Awards</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:41pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:194.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Number of</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Shares</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Acquired</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">on Vesting (#)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:193pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Value Realized</font></div>
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">on Vesting ($)</font><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">(1)</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Walter R. White</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:89.045pt;margin-right:89.045pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">8,161</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$2,004,544</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Jasmine M. Jirele</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:89.045pt;margin-right:89.045pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:14.24pt;">-</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:25.53pt;">0</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">William E. Gaumond</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:89.045pt;margin-right:89.045pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">1,452</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">356,647</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Eric J. Thomes</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:89.045pt;margin-right:89.045pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">617</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">151,551</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Neil H. McKay</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:89.045pt;margin-right:89.045pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2,550</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">626,343</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:8.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Gretchen Cepek</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:89.045pt;margin-right:89.045pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">1,917</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">470,863</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div>
              <div style="clear:both;margin-top:9.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 10pt; width: 9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(1)</font></div>
                <div style="float: left; line-height: 10pt; margin-left: 8.68pt; width: 471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">Represents Allianz SE RSUs that were exercised during 2022 pursuant to the AEI.
                    Amounts realized were paid in cash.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">Allianz Life Executive Severance Agreement</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Allianz Life entered into an Executive Severance Agreement with our 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Pursuant to the Executive Severance Agreement, Mr. White was entitled to a lump sum cash payment of $1,730,200 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">Executive Severance Plan</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;90&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_33"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">The following table shows the lump sum payments that would have been payable to each of our NEOs had they been terminated on December
                31, 2022 and been eligible for severance payments pursuant to the Executive Severance Plan.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="line-height: 0.0pt;"> </div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:115pt;width:264pt;" id="z103f24c9e9a24b728caf1984afba32aa">

                  <tr style="height:12.5pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">NEOs</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Lump Sum Payment</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Walter R. White</font><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-3.25pt;">(1)</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$1,730,200</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Jasmine M. Jirele</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$1,125,000</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">William E. Gaumond</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">713,850</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Eric J. Thomes</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">803,250</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Neil H. McKay</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">765,000</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:8.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Gretchen Cepek</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:5.47pt;">704,250</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div>
              <div style="clear:both;margin-top:9.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 10pt; width: 9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(1)</font></div>
                <div style="float: left; line-height: 10pt; margin-left: 8.68pt; width: 471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">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.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">Director Compensation</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">The following table provides information on compensation paid to the directors of Allianz Life for the year ended December 31,
                2022.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="line-height: 0.0pt;"> </div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="zb3fcef4454834c99b2c63a2155785eb4">

                  <tr style="height:42.5pt;">
                    <td style="background-color:#D8D8D8;border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:106.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Name</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:194.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Fees Earned</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">or Paid in</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Cash</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">($)</font><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">(1)</font>
                          <div style="clear:right;"> </div>
                        </div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:193pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Total</font></div>
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">($)</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">(a)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:194.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">(b)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:193pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">(h)</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:21pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Andreas G. Wimmer</font><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-3.25pt;">(2)</font>
                          <div style="clear:right;"> </div>
                        </div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">Chair of the Board</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">N/A</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">N/A</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:31pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Jasmine M. Jirele</font><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-3.25pt;">(3)</font>
                          <div style="clear:right;"> </div>
                        </div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">President and Chief Executive </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">Officer</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">N/A</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">N/A</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:31pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">William E. Gaumond</font><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-3.25pt;">(3)</font>
                          <div style="clear:right;"> </div>
                        </div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">Senior Vice President, Chief </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">Financial Officer and Treasurer</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">N/A</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">N/A</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:41pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Walter R. White </font><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-3.25pt;">(3)</font>
                          <div style="clear:right;"> </div>
                        </div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">Former President and Chief </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">Executive Officer; </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">Non-Independent Director</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">N/A</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">N/A</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:21pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Anna Sophie Herken</font><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-3.25pt;">(2)</font>
                          <div style="clear:right;"> </div>
                        </div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">Non-Independent Director</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">N/A</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">N/A</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:21pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Howard E. Woolley</font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">Independent Director</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:85.395pt;margin-right:85.395pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$60,000</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$60,000</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:21pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Kevin E. Walker</font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">Independent Director</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:85.395pt;margin-right:85.395pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$60,000</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$60,000</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:18.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Udo Frank</font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">Independent Director</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:85.395pt;margin-right:85.395pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$90,000</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$90,000</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div>
              <div style="clear:both;margin-top:9.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 10pt; width: 9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(1)</font></div>
                <div style="float: left; line-height: 10pt; margin-left: 8.68pt; width: 471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">Represents cash compensation provided to our independent directors that is formalized
                    in the Non-Employee Director Compensation Plan for the year ended December 31, 2022.</font><font style="color:#000000;font-family:Times New Roman;font-size:8pt;line-height:10pt;"> </font></div>
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                <div style="float: left; line-height: 10pt; width: 9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(2)</font></div>
                <div style="float: left; line-height: 10pt; margin-left: 8.68pt; width: 471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">Mr. Wimmer (and his predecessor, Jacqueline Hunt) and Ms. Herken did not receive any
                    compensation for their services as directors since they are employed by one of our affiliates.</font></div>
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                <div style="float: left; line-height: 10pt; width: 9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(3)</font></div>
                <div style="float: left; line-height: 10pt; margin-left: 8.68pt; width: 471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">As employee directors, Ms. Jirele and Messrs. White and Gaumond did not receive any
                    compensation for their service as directors. The compensation Ms. Jirele and Messrs. White and Gaumond received as executive officers of Allianz Life is disclosed in the Summary Compensation Table as set forth herein.</font></div>
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            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Security Ownership of Certain Beneficial Owners and Management</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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 held less than 1% of Allianz SE&#8217;s ordinary shares issued and outstanding.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Transactions with Related Persons, Promoters and Certain Control Persons</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">We are a wholly owned subsidiary of AZOA, which 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.</font></div>
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              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
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            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Business and Operational Risks Relevant to the Contract</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">Risks Primarily Related to Our Financial Strength and Claims-Paying Ability</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Financial losses may threaten our financial strength and claims-paying ability.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
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                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Difficult Economic Conditions.</font><font style="color: #000000; font-family: Times New Roman;"> 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><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
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                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Unfavorable Interest Rate Environments.</font><font style="color: #000000; font-family: Times New Roman;"> 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><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
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                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Losses on Fixed Maturity Investments.</font><font style="color: #000000; font-family: Times New Roman;"> 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><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
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                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Losses on Equity Investments.</font><font style="color: #000000; font-family: Times New Roman;"> 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></div>
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                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Losses on Real Estate Investments.</font><font style="color: #000000; font-family: Times New Roman;"> 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></div>
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                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Losses upon the Sale of Illiquid Investments.</font><font style="color: #000000; font-family: Times New Roman;"> 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></div>
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              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
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                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Prolonged and Elevated Inflationary Periods.</font><font style="color: #000000; font-family: Times New Roman;"> 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></div>
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                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Loss of Market Share to Competitors.</font><font style="color: #000000; font-family: Times New Roman;"> 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.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
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                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Defaults by Counterparties.</font><font style="color: #000000; font-family: Times New Roman;"> 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><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
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                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Impairments of Other Financial Institutions.</font><font style="color: #000000; font-family: Times New Roman;"> 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></div>
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                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Payments through Guaranty Associations.</font><font style="color: #000000; font-family: Times New Roman;"> 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></div>
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                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Ineffectiveness of Risk Management Policies.</font><font style="color: #000000; font-family: Times New Roman;"> 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></div>
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                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Impacts of Climate Change.</font><font style="color: #000000; font-family: Times New Roman;"> 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. On November 15, 2021, the NYDFS, the regulatory authority for the insurance industry in New York, announced its expectations for insurance companies in managing the financial risks related to climate change. Compliance
                    with this guidance may increase our risk and financial reporting costs.</font></div>
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            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Changes in applicable law may negatively affect our financial strength and claims-paying ability.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">We are subject to detailed and comprehensive regulation and supervision in all the jurisdictions in which we operate. Our
                operations, products and services are subject to varying 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.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Various states have also adopted laws raising the standard of care owed by broker-dealers, investment advisers, or insurance agents
                to their customers. For example, nearly 20 states have adopted the National Association of Insurance Commissioners (&#8220;NAIC&#8221;) revisions to its Suitability in Annuity Transactions Model Regulation, which imposes a requirement that any
                recommendation of an annuity product be in the consumer&#8217;s best interest. Some states have also adopted laws that differ from the NAIC&#8217;s Suitability in Annuity Transactions Model Regulation but impose similar obligations. As changes are
                adopted by our state regulator(s) and made applicable to us or the third-party firms that distribute our products, they could have an adverse impact on our business. In states that have adopted these increased standards with respect to
                annuity recommendations, this may lead to an increased risk of regulatory enforcement actions or potentially private claims.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Our reserves could be inadequate due to differences between our actual experience and management&#8217;s estimates and
                assumptions.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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
                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.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
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            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;94&#8201;</font></div>
          </div>
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      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
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      <div> <a name="xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_37"></a>
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          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">The amount of statutory capital that we must hold to meet our statutory capital requirements can vary
                significantly from time to time.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Statutory accounting standards and capital and reserve requirements are prescribed by the applicable state insurance regulators and
                the NAIC. State insurance regulators have 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 state insurance regulators.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Litigation and regulatory proceedings may negatively affect our financial strength and claims-paying ability.</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">We have been named as defendants in lawsuits (both class actions and individual lawsuits) and have been involved in various
                regulatory investigations and examinations, and we may be involved in more 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.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Reinsurance may not be available or affordable, or may not be adequate to protect against harm to our financial
                strength and claims-paying ability.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Our hedging programs may be inadequate to protect against harm to our financial strength and claims-paying
                ability.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">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.</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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 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 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:</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div>
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                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">reductions in new sales of insurance products, annuities and other investment products;</font></div>
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              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">increases in our cost of capital or limitations on our access to sources of capital;</font></div>
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                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">harm to our relationships with distributors and sales specialists;</font></div>
              </div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
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            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;95&#8201;</font></div>
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            <div>
              <div style="clear:both;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">material increases in the number or amount of full and partial withdrawals under our insurance
                    products;</font></div>
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                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">pressure on us to reduce prices or increase crediting rates for many of our insurance products;
                    and</font></div>
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              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">harm to our ability to obtain reinsurance or obtain reasonable pricing for reinsurance.</font></div>
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            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Similarly, credit rating agencies also evaluate the insurance industry as a whole and may change Allianz Life&#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&#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 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">Risks Primarily Related to Our Business Operations</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Breaches of security, or interference with our technology infrastructure, could harm our business.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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 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).</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
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            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;96&#8201;</font></div>
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      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
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            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">The failure to protect our clients&#8217; confidential information and privacy could adversely affect our business.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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:</font></div>
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                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">training and educating our employees regarding our obligations relating to confidential
                    information;</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
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              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
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                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">monitoring changes in state or federal privacy and compliance requirements;</font></div>
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            </div>
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                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">drafting appropriate contractual provisions into any contract that raises proprietary and
                    confidentiality issues;</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
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                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">maintaining secure storage facilities for tangible records;</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
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            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.0pt;"><font style="color: #000000; font-family: Times New Roman;">limiting access to electronic information; and</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">in the event of a security breach, providing credit monitoring or other services to affected
                    customers.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">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.</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">The occurrence of natural or man-made disasters and catastrophes could adversely affect our business operations
                and our business results.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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
                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 </font></div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;97&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_40"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">Risks</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; line-height: 12pt; text-decoration: underline;"> </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;"> Related</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; line-height: 12pt; text-decoration: underline;"> </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">to</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; line-height: 12pt; text-decoration: underline;"> </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">the COVID-19 Pandemic</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">The pandemic-related risks that we face include (but are not necessarily limited to) the following:</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.0pt;"><font style="color: #000000; font-family: Times New Roman;">Economic conditions and uncertainties may negatively impact the value, cash flow, and liquidity of
                    our general account investments due to, </font><font style="color: #000000; font-family: Times New Roman; font-style: italic;">e.g.</font><font style="color: #000000; font-family: Times New Roman;">, 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.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Voluntary or government mandated hardship assistance that we provide to our customers in the form
                    of, </font><font style="color: #000000; font-family: Times New Roman; font-style: italic;">e.g.</font><font style="color: #000000; font-family: Times New Roman;">, grace periods for failure to make timely payments, may reduce our net
                    income and surplus.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Economic conditions and uncertainties may limit our access to sources of capital and our ability
                    to obtain reinsurance.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Voluntary and government mandated pandemic mitigation</font><font style="color: #000000; font-family: Times New Roman; font-style: italic; line-height: 12pt;"> </font><font style="color: #000000; font-family: Times New Roman;"> 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.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Longer-term deviations from the mortality, customer behavior, expenses, and other assumptions that
                    we use to price our products and support our obligations.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;98&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_4bd2529b-b3f7-4e99-9278-6401d53f18da_41"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 10.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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.</font></div>
            <div style="line-height: 13.0pt; margin-top: 11pt;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 12.0pt; position: relative; top: -2pt; width: 494pt;"><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:lowercase;">14.</font><font style="color:#000000;font-family:Arial;font-size:11pt;line-height:13pt;text-transform:uppercase;">&#8194;</font><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Financial Statements</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">[To be updated by amendment]</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">The statutory financial statements of Allianz Life Insurance Company of North America as of December 31, 2022 and 2021 and for each
                of the three years in the period ended December 31, 2022 included in Appendix F 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">The financial statements of the subaccounts of Allianz Life Variable Account B of Allianz Life Insurance Company of North America
                (&#8220;Variable Account B&#8221;) as of December 31, 2022 are incorporated herein by reference to Variable Account B&#8217;s </font> <a href="https://www.sec.gov/Archives/edgar/data/836346/000083634622000028/nvpfsazsepacctbapril2022.htm"><font style="font-family: Times New Roman; text-decoration: underline;">Form N-VPFS</font></a><font style="color: #000000; font-family: Times New Roman;"> (File No. 811-05618) 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.</font></div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;99&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_9c8df33d-616e-4f43-b549-b970b7b9b7d4_1"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:648pt;">
            <div style="line-height: 13.0pt;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 0pt; top: -2pt; width: 494pt;"><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Appendix A &#8211; Available
                Indexes</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">[To be updated by amendment]</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">S&amp;P 500</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;text-transform:uppercase;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;"> Index</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">The S&amp;P 500</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> Index is comprised of 500 stocks representing major U.S. industrial sectors.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">S&amp;P</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> 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 North America (&#8220;Allianz&#8221;). The S&amp;P 500</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Allianz 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 products or any member of the public regarding the
                advisability of investments generally or in Allianz 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 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 or the products. S&amp;P Dow Jones Indices have no obligation to take the needs of Allianz or the owners of the products into consideration in determining, composing, or calculating the
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            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Russell 2000</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;text-transform:uppercase;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;"> Index</font></div>
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      <div> <a name="xx_9c8df33d-616e-4f43-b549-b970b7b9b7d4_2"></a>
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            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">The Russell 2000</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> 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 North America (&#8220;Allianz&#8221;). Allianz products
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            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Nasdaq-100</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;text-transform:uppercase;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;"> Index</font></div>
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          <div style="float:left;height:13pt;margin-left:50pt;margin-top:26pt;width:494pt;">
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              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:11pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font> <br>
              <font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;">Appendix A</font></div>
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            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;101&#8201;</font></div>
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                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">consider the needs of Allianz products or the owners of Allianz products in determining, composing
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                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 4.4pt; width: 475.00pt;"><font style="color: #000000; font-family: Times New Roman;">STOXX, Deutsche B&#246;rse Group and their licensors, research partners or data providers do not give
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                <div style="float: left; line-height: 12pt; width: 9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
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            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: lowercase;">i</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Shares</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;text-transform:uppercase;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;"> MSCI Emerging Markets ETF</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">The iShares</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> MSCI Emerging Markets ETF distributed by BlackRock Investments, LLC. iShares</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;">, BLACKROCK</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;">, and the corresponding logos are registered trademarks of BlackRock, Inc. and its affiliates (&#8220;BlackRock&#8221;) and are used under license. These trademarks have been licensed for certain purposes by Allianz Life Insurance Company of
                North America ("Allianz") and its wholly-owned subsidiaries. Products offered by Allianz or its wholly-owned subsidiaries are not sponsored, endorsed, sold or promoted by BlackRock, and purchasers of such products do not acquire any
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          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;height:13pt;margin-left:50pt;margin-top:26pt;width:494pt;">
            <div style="line-height:11.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:11pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font> <br>
              <font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;">Appendix A</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:15pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;102&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_b77b10f9-2148-4643-aa3e-4e87f280361e_1"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:648pt;">
            <div style="line-height: 13.0pt;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 0pt; top: -2pt; width: 494pt;"><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Appendix B &#8211; Daily
                Adjustment</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold;">Generally</font></div>
            <div style="line-height: 12.0pt; margin-top: 2.5pt;"><font style="color: #000000; font-family: Times New Roman;">We designed the Daily Adjustment to provide an Index Option Value on Business Days other than the Term Start Date or the Term End
                Date. The Daily Adjustment approximates the Index Option Value that will be available on the Term End Date. It is the estimated present value of the future Performance Credit that we will apply on the Term End Date. The Daily Adjustment
                takes into account:</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; margin-left: 10pt; width: 9.43pt;"><font style="color: #000000; font-family: Times New Roman;">(i)</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 10.57pt; width: 459.00pt;"><font style="color: #000000; font-family: Times New Roman;">any Index gains during the Term subject to the applicable Trigger&#160;Rate, Cap, and/or
                    Participation Rate,</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; margin-left: 10pt; width: 12.2pt;"><font style="color: #000000; font-family: Times New Roman;">(ii)</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 7.8pt; width: 459.00pt;"><font style="color: #000000; font-family: Times New Roman;">either any Index losses greater than the 10% or 20% Buffer, or Index losses down to the -10%
                    Floor, and</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; margin-left: 10pt; width: 14.97pt;"><font style="color: #000000; font-family: Times New Roman;">(iii)</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 5.03pt; width: 459.00pt;"><font style="color: #000000; font-family: Times New Roman;">the number of days until the Term End Date.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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 Term End Date taking into account any
                applicable Buffer, Floor, Trigger Rate, Cap, and/or Participation Rate. 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 or Floor. However, the Daily Adjustment for the Index Protection Strategy with Trigger cannot
                be negative. The Daily Adjustment for Index Options with a Term length of more than 1-year may be more negatively impacted by changes&#160;in the expected volatility of Index prices than 1-year Term Index Options due the difference in Term
                length. Also, the risk of a negative Daily Adjustment is greater for Index Options with a Term length of more than 1-year than for 1-year Term Index Options because the Buffer is exposed to a longer time period. The impact of the Cap and
                Buffer on the Daily Adjustment for a 1-year Term Index Option is greater than it is for a 3-year or&#160;6-year&#160;Term Index Option because we apply the Cap and Buffer for the entire Term length, and the Term length is shorter for a 1-year Term.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold;">Daily Adjustment Formula</font></div>
            <div style="line-height: 12.0pt; margin-top: 2.5pt;"><font style="color: #000000; font-family: Times New Roman;">The formula for the calculation of the Daily Adjustment is as follows:</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Daily Adjustment = [(a) change in Proxy Value + (b) proxy interest] x Index Option Base</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">Where:</font></div>
            <div>
              <div style="clear:both;margin-top:0.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; margin-left: 14pt; width: 11.09pt;"><font style="color: #000000; font-family: Times New Roman;">(a)</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 2.91pt; width: 461.00pt;"><font style="color: #000000; font-family: Times New Roman;">change in Proxy Value = (current Proxy Value &#8211; beginning Proxy Value)</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:0.5pt;position:relative;width:100%;">
                <div style="float: left; line-height: 12pt; margin-left: 14pt; width: 11.66pt;"><font style="color: #000000; font-family: Times New Roman;">(b)</font></div>
                <div style="float: left; line-height: 12pt; margin-left: 2.34pt; width: 461.00pt;"><font style="color: #000000; font-family: Times New Roman;">proxy interest = beginning Proxy Value x (1 &#8211; time remaining during the Term)</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold;">Calculating Change in Proxy Value</font></div>
            <div style="line-height: 12.0pt; margin-top: 2.5pt;"><font style="color: #000000; font-family: Times New Roman;">The change in Proxy Value represents the current hypothetical value of the Proxy Investment (current Proxy Value), less the cost of
                the Proxy Investment on the Term Start Date (beginning Proxy Value).</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">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 Term Start Date.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">The Proxy Value is calculated differently for each Crediting Method.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">For the </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Index Precision
                Strategy</font><font style="color: #000000; font-family: Times New Roman;">, the Proxy Value involves tracking two hypothetical derivatives and is calculated using the following formula:</font></div>
            <div style="line-height: 12.0pt; margin-top: 2.5pt;"><font style="color: #000000; font-family: Times New Roman; margin-left: 14pt;">[Trigger Rate x (at-the-money binary call)] &#8211; (out-of-the-money put)</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.5pt;"><font style="color: #000000; font-family: Times New Roman;">With respect to our Proxy Value formula, we designed the at-the-money binary call to value the potential for gains equal to the
                Trigger Rate if on the Term End Date, the Index Value is greater than or equal to the Index Value on the Term Start Date, and the out-of-the-money put to value the potential for Index losses greater than the 10% Buffer for the Index
                Precision Strategy. 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 Term Start Date. This is
                because the risk that the Index Value could be lower on the Term End Date is present to some extent whether or not the current Index price on a Business Day is lower than the Index Value on the Term Start Date.</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;height:13pt;margin-left:50pt;margin-top:26pt;width:494pt;">
            <div style="line-height:11.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:11pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font> <br>
              <font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;">Appendix B</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:15pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;103&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_b77b10f9-2148-4643-aa3e-4e87f280361e_2"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:648pt;">
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">For the </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Index Guard
                Strategy</font><font style="color: #000000; font-family: Times New Roman;">, the Proxy Value involves tracking four hypothetical derivatives and is calculated using the following formula:</font></div>
            <div style="line-height: 12.0pt; margin-top: 2pt;"><font style="color: #000000; font-family: Times New Roman; margin-left: 14pt;">Proxy Value = (at-the-money call) &#8211; (out-of-the-money call) &#8211; (at-the-money put) + (out-of-the-money put)</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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 at-the-money put to value the potential for Index losses, but add back the out-of-money put to mimic the protection of the -10% Floor for the Index Guard Strategy. It is important to note that the at-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 Term Start Date. It is also important to note that the out-of-money put will almost always reduce,
                and never exceed, the negative impact of the at-the-money put for the Index Guard Strategy.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">For the </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Index Performance
                Strategy</font><font style="color: #000000; font-family: Times New Roman;">, the Proxy Value involves tracking three hypothetical derivatives and is calculated using the following formula:</font></div>
            <div style="line-height: 12.0pt; margin-top: 2pt;"><font style="color: #000000; font-family: Times New Roman; margin-left: 14pt;">Proxy Value = (at-the-money call) &#8211; (out-of-the-money call) &#8211; (out-of-the-money put)</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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 subject to any applicable Participation Rate up to the Cap, and the out-of-the-money put to value the potential for Index losses greater than the 10% or 20% Buffer&#160;for the Index Performance Strategy. Similar to the Index Precision
                Strategy, 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 Term Start Date. This is because the
                risk that the Index Value could be lower on the Term End Date is present to some extent whether or not the current Index price on a Business Day is lower than the Index Value on the Term Start Date. For purposes of the Proxy Value formula
                the value of the out-of-the-money call will be zero if an Index Option is uncapped.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">For the </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Index Protection
                Strategy with Trigger</font><font style="color: #000000; font-family: Times New Roman;">, the Proxy Value involves tracking one hypothetical derivative and is calculated using the following formula:</font></div>
            <div style="line-height: 12.0pt; margin-top: 2pt;"><font style="color: #000000; font-family: Times New Roman; margin-left: 14pt;">Proxy Value = Trigger Rate x (at-the-money binary call)</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">With respect to our Proxy Value formula, we designed the at-the-money binary call to value the potential for gains equal to the
                Trigger Rate if on the Term End Date, the Index Value is greater than or equal to the Index Value on the Term Start Date.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold;">Calculating Proxy Interest</font></div>
            <div style="line-height: 12.0pt; margin-top: 2pt;"><font style="color: #000000; font-family: Times New Roman;">The proxy interest is an amount of interest that is earned to provide compensation for the cost of the Proxy Investment on the Term
                Start Date. The proxy interest is approximated by the value of amortizing the cost of the Proxy Investment over the Term to zero. The formula for proxy interest involves the calculation of (i) the beginning Proxy Value (the formula for
                which varies depending on the Crediting Method, as previously discussed) and (ii) the time remaining during a Term. The time remaining during a Term is equal to the number of days remaining in the Term divided by the Term length. Term
                length equals the number of days from the Term Start Date to the Term End Date. The proxy interest may be significantly different from current interest rates available on interest bearing investments.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold;">Additional Information</font></div>
            <div style="line-height: 12.0pt; margin-top: 2pt;"><font style="color: #000000; font-family: Times New Roman;">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><font style="color: #0000FF; font-family: Times New Roman;">allianzlife.com</font><font style="color: #000000; font-family: Times New Roman;">.</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;height:13pt;margin-left:50pt;margin-top:26pt;width:494pt;">
            <div style="line-height:11.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:11pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font> <br>
              <font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;">Appendix B</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:15pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;104&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_540773e1-e53c-4504-9c04-dfad0b25e44f_1"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:648pt;">
            <div style="line-height: 13.0pt;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 0pt; top: -2pt; width: 494pt;"><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Appendix C &#8211; Rider Fee
                Calculation Example</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Please note that this example may differ from your actual results due to rounding.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">You purchase a Contract with the Maximum Anniversary Value Death Benefit. On the Quarterly Contract Anniversary your annual rider fee
                is 0.20% and your Contract Value and Charge Base are $100,000. This Contract Value includes any gains or losses on the AZL Government Money Market Fund (if applicable) 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 rider fee amount for this quarter as follows:</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">(the Charge Base) x (annual rider fee &#247; 365) = daily rider fee amount, or:</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;"> $100,000 x (0.20% &#247; 365) = $0.55</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">If there are 89 days in the current quarter (which includes the next Quarterly Contract Anniversary), then the total quarterly rider
                fee is:</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">(number of days in the current quarter) x (daily rider fee amount), or: 89 x $0.55 = $48.77</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">On the next Quarterly Contract Anniversary we would deduct $48.77 from the Contract Value. We first account for any gains/losses on
                the AZL Government Money Market Fund (if applicable) 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 rider 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 rider
                fee for the next quarter on the next day as:</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">(the Charge Base) x (annual rider fee &#247; 365) = daily rider fee amount, or: $101,250 x (0.20% &#247; 365) = $0.55</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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 rider fee for the remainder of the quarter on the next day as:</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">(the Charge Base) x (annual rider fee &#247; 365) = daily rider fee amount, or: $116,250 x (0.20% &#247; 365) = $0.64</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">If there are 92 days in the current quarter (which includes the next Quarterly Contract Anniversary), then the total quarterly rider
                fee is:</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">(number of days in the current quarter) x (daily rider fee amount), or:</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">(43 x $0.55) + (49 x $0.64) = $23.86 + $31.21 = $55.07</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">On the next Quarterly Contract Anniversary we would deduct $55.07 from the Contract Value after we account for any gains/losses on
                the AZL Government Money Market Fund (if applicable) 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 rider fee and set the Charge Base equal to this new Contract Value and begin computing the daily rider fee for the next quarter on the next day.</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;height:13pt;margin-left:50pt;margin-top:26pt;width:494pt;">
            <div style="line-height:11.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:11pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:15pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;105&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_9bd50f07-8a32-4996-ac2d-679ff8da80df_1"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:648pt;">
            <div style="line-height: 13.0pt;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 0pt; top: -2pt; width: 494pt;"><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Appendix D &#8211; Material
                Contract Variations by State</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">[To be updated by amendment]</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">Your Contract is subject to the law of the state in which it is issued. Some of the features of your Contract may differ from the
                features of a Contract issued in another state because of state-specific legal requirements. In addition, not all features and benefits are approved in all states. All material state variations in the Contract are disclosed in this
                Appendix. If you would like more information regarding state 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Material State Contract Variations</font><font style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;">&#8195;</font></div>
            <div style="line-height: 0.0pt;"> </div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z6463cc7c636f45138d8c989ad8704e5d">

                  <tr style="height:auto;">
                    <td style="background-color:#D8D8D8;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:73.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">ISSUE STATE</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:132pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">FEATURE AND BENEFITS</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:288.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">VARIATION</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height: 1.0pt;"> </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;height:13pt;margin-left:50pt;margin-top:26pt;width:494pt;">
            <div style="line-height:11.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:11pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font> <br>
              <font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;">Appendix D</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:15pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;106&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_aa5754eb-3d25-4542-9841-c0debd35ea74_1"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:648pt;">
            <div style="line-height: 13.0pt;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 0pt; top: -2pt; width: 494pt;"><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Appendix E &#8211; Variable
                Investment Option Under the Contract</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">[To be updated by amendment]</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">The following includes information about the AZL Government Money Market Fund. More information about the AZL Government Money Market
                Fund is available in the fund's prospectus, which may be amended from time to time and can be found online at </font><font style="color: #0000FF; font-family: Times New Roman;">allianzlife.com/variableoptions</font><font style="color: #000000; font-family: Times New Roman;">. 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">The current expenses and performance information below reflects fees and expenses of the AZL Government Money Market Fund, 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 AZL Government Money Market Fund's past performance is not necessarily an
                indication of future performance.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="line-height: 0.0pt;"> </div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z2b94dc88ae6c4d62b180a5a7a555ecc7">

                  <tr style="height:25pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:154.5pt;" rowspan="2">
                      <div style="line-height:10.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Investment Objectives</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:133pt;" rowspan="2">
                      <div style="line-height:10.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Variable Investment Option </font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">and</font><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:9pt;"> </font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Adviser/Subadviser</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt;" rowspan="2">
                      <div style="line-height:10.0pt;text-align:left;">
                        <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Current</font></div>
                        <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:150.5pt;" colspan="3">
                      <div style="line-height:10.0pt;text-align:left;">
                        <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</font></div>
                        <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;">(as of December 31, 2022)</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:15pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt;">
                      <div style="line-height:10.0pt;text-align:left;">
                        <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 Year</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt;">
                      <div style="line-height:10.0pt;text-align:left;">
                        <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 Years</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50.5pt;">
                      <div style="line-height:10.0pt;text-align:left;">
                        <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 Years</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:71pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:154.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Current income consistent with </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">stability of principal</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:133pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">AZL</font><font style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-3.75pt;">&#174;</font><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">
                            Government Money </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Market Fund</font><font style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;line-height:10pt;margin-left:0.0pt;">&#8195;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Adviser: Allianz Investment </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Management LLC</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Subadviser: BlackRock </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Advisors, LLC</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:15.245pt;margin-right:15.245pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;margin-right:-9pt;">0.64%</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:12.245pt;margin-right:12.245pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;margin-right:-9pt;">0.00%</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:12.245pt;margin-right:12.245pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;margin-right:-9pt;">0.53%</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:50.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;margin-right:-9pt;">0.27%</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div>
              <div style="clear:both;margin-top:9pt;position:relative;width:100%;">
                <div style="float: left; line-height: 7pt; width: 6.99pt;"><font style="color:#000000;font-family:Times New Roman;font-size:5pt;position:relative;top:-3.25pt;">(1)</font></div>
                <div style="float: left; line-height: 10pt; margin-left: 9.01pt; width: 473.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">The AZL</font><font style="color:#000000;font-family:Times New Roman;font-size:4.5pt;font-weight:bold;position:relative;top:-5.5pt;">&#174;</font><font style="color:#000000;font-family:Times New Roman;font-size:8pt;"> Government Money Market Fund&#8217;s annual expenses reflect a temporary fee reduction.
                    Please see the AZL</font><font style="color:#000000;font-family:Times New Roman;font-size:4.5pt;font-weight:bold;position:relative;top:-5.5pt;">&#174;</font><font style="color:#000000;font-family:Times New Roman;font-size:8pt;"> Government
                    Money Market Fund&#8217;s prospectus for information regarding the expense reimbursement or fee waiver arrangement.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;height:13pt;margin-left:50pt;margin-top:26pt;width:494pt;">
            <div style="line-height:11.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:11pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font> <br>
              <font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;">Appendix E</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:15pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;107&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_2d304dcb-58b1-4c46-8e48-7210a909bcff_1"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:648pt;">
            <div style="line-height: 13.0pt;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 0pt; top: -2pt; width: 494pt;"><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Appendix F &#8211; Audited
                Selected Financial Data and Statutory Financial Statements</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">[To be updated by amendment]</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations (For
                the 12 month period ending December 31, 2022)</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">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;</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Statutory Financial Statements</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">The statutory financial statements of Allianz Life Insurance Company of North America as of December 31, 2022 and 2021 and for each
                of the three years in the period ended December 31, 2022 included in this Appendix F 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.</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;height:13pt;margin-left:50pt;margin-top:26pt;width:494pt;">
            <div style="line-height:11.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:11pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font> <br>
              <font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;">Appendix F</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:15pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;108&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
    <div>
      <div> <a name="xx_cc71d326-8f53-409a-b0f3-29b41c4f1fa3_1"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height: 13.0pt;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 0pt; top: -2pt; width: 494pt;"><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">For Service or More
                Information</font><font style="color:#000000;font-family:Arial;font-size:11pt;line-height:13pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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><font style="color: #0000FF; font-family: Times New Roman;">allianzlife.com/prospectuses</font><font style="color: #000000; font-family: Times New Roman;">. 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">The SEC maintains a website </font><font style="color: #0000FF; font-family: Times New Roman;">sec.gov</font><font style="color: #000000; font-family: Times New Roman;">. 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.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Our Service Center</font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">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><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">(800) 624-0197</font><font style="color: #000000; font-family: Times New Roman;">.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height: 12.0pt; margin-top: 6pt;"><font style="color: #000000; font-family: Times New Roman;">To send an application, a check for an additional Purchase Payment, or for general customer service, please mail to the appropriate
                address as follows:</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="line-height: 0.0pt;"> </div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="empty-cells:show;width:494pt;" id="zaf2ab3d5e9db465c832ebadb9d7bd042">

                  <tr style="height:28.25pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Bottom;width:494pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">To send an application, a check for an additional Purchase Payment,</font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">or for general customer service, please mail to the appropriate address as follows:</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:15.25pt;">
                    <td style="padding-bottom:3pt;padding-top:2.25pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">REGULAR MAIL</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:37pt;">
                    <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allianz Life Insurance Company of North America</font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">P.O. Box 59060</font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Minneapolis, MN 55459-0060</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="vertical-align:Top;width:494pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">OVERNIGHT, CERTIFIED, OR REGISTERED MAIL</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:34pt;">
                    <td style="padding-top:3pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allianz Life Insurance Company of North America</font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">5701 Golden Hills Drive</font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Golden Valley, MN 55416-1297</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height: 0.0pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:1pt;">&#8195;</font></div>
            <div style="margin-top:0.0%;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z2213580bcc254d31953031f5aeaf50a9">

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

              </table>
            </div>
            <div style="line-height: 12.0pt; margin-top: 9pt;"><font style="color: #000000; font-family: Times New Roman;">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: </font><font style="color: #0000FF; font-family: Times New Roman;">allianzlife.com</font><font style="color: #000000; font-family: Times New Roman;">. If you have questions about whether you can submit certain information by email or over the web, please contact our Service Center.</font></div>
            <div style="line-height: 12.0pt; margin-top: 6.0pt;"><font style="color: #000000; font-family: Times New Roman;">Until May 1, 2024, all dealers that effect transactions in these securities may be required to deliver a prospectus.</font></div>
            <div style="line-height: 10.0pt; margin-top: 7.0pt;"><font style="color: #000000; font-family: Times New Roman;">EDGAR Contract ID No.: [To be updated by amendment]</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+ NF</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">SM</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;109&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;"> </div>
  </div>
  <div style="text-align: left; line-height: 12pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt;"> <br>
  </div>
  <div style="text-align: center; line-height: 12pt; margin-top: 6pt; margin-bottom: 6pt; font-family: Arial; font-size: 10pt;"> <br>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div class="BRPFPageFooter"></div>
    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    <div class="BRPFPageHeader"></div>
  </div>
  <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="line-height: 10.25pt;"><br style="line-height: 10.25pt;">
  </div>
  <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: 10.25pt;"><br style="line-height: 10.25pt;">
  </div>
  <div style="line-height: 10.25pt;"><br style="line-height: 10.25pt;">
  </div>
  <div style="text-align: left; line-height: 11.4pt; font-family: 'Arial Narrow'; font-size: 10pt; font-weight: bold;">ITEM 13.&#160; OTHER EXPENSES OF ISSUANCE AND DISTRIBUTION.</div>
  <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="zc7746c493a064be4a72f22b634d956dc">

      <tr>
        <td style="width: 80.92%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;Securities and Exchange Commission Registration Fee</div>
        </td>
        <td style="width: 19.08%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">$ 150,785</div>
        </td>
      </tr>
      <tr>
        <td style="width: 80.92%; vertical-align: top;">&#160;</td>
        <td style="width: 19.08%; vertical-align: top;">
          <div style="line-height: 12pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;--------------</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 80.92%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;Estimated Printing and Filing Costs:</div>
        </td>
        <td style="width: 19.08%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">$&#160;&#160; 30,000</div>
        </td>
      </tr>
      <tr>
        <td style="width: 80.92%; vertical-align: top;">&#160;</td>
        <td style="width: 19.08%; vertical-align: top;">
          <div style="line-height: 12pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;--------------</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 80.92%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;Estimated Accounting Fees:</div>
        </td>
        <td style="width: 19.08%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">$&#160; &#160; 75,000</div>
        </td>
      </tr>
      <tr>
        <td style="width: 80.92%; vertical-align: top;">&#160;</td>
        <td style="width: 19.08%; vertical-align: top;">
          <div style="line-height: 12pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">---------------</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 80.92%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;Estimated Legal Fees:</div>
        </td>
        <td style="width: 19.08%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">$&#160; &#160; &#160; &#160; N/A</div>
        </td>
      </tr>
      <tr>
        <td style="width: 80.92%; vertical-align: top;">&#160;</td>
        <td style="width: 19.08%; vertical-align: top;">
          <div style="line-height: 12pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">---------------</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 80.92%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;Estimated Miscellaneous Fees:</div>
        </td>
        <td style="width: 19.08%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">$&#160; &#160; &#160; &#160; N/A</div>
        </td>
      </tr>
      <tr>
        <td style="width: 80.92%; vertical-align: top;">&#160;</td>
        <td style="width: 19.08%; vertical-align: top;">
          <div style="line-height: 12pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;---------------</div>
          <div style="line-height: 12pt; margin-bottom: 6pt;"><font style="line-height: 12pt;">&#160;</font></div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>

  </table>
  <div style="line-height: 12pt; margin-bottom: 6pt;"><br style="line-height: 12pt;">
  </div>
  <div style="text-align: left; line-height: 11.4pt; font-family: 'Arial Narrow'; font-size: 10pt; font-weight: bold;">ITEM 14.&#160; INDEMNIFICATION OF OFFICERS AND DIRECTORS.</div>
  <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="z1c8cda4c2639420b8224514145a42a6f">

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

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  <div style="line-height: 12pt; margin-bottom: 6pt;"><br style="line-height: 12pt;">
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      <tr>
        <td colspan="2" style="width: 100%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">SECTION 2. SCOPE OF INDEMNIFICATION:</div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.03%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">(a)</div>
        </td>
        <td style="width: 93.97%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Indemnification provided pursuant to Section 1(a)(iv) shall be secondary and subordinate to indemnification or insurance provided to an Indemnified Person by an Outside Organization or
            other source, if any.</div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.03%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">(b)</div>
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        <td style="width: 93.97%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Indemnification shall apply to all reasonable expenses, liability and losses, actually incurred or suffered by an Indemnified Person in connection with a Proceeding, including without
            limitation, attorneys' fees and any expenses of establishing a right to indemnification or advancement under this article, judgments, fines, ERISA excise taxes or penalties, amounts paid or to be paid in settlement and all interest, assessments
            and other charges paid or payable in connection with or in respect of such expense, liability and loss.</div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.03%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">(c)</div>
        </td>
        <td style="width: 93.97%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Such indemnification shall continue as to any Indemnified Person who has ceased to be an employee, director or officer of the Corporation and shall inure to the benefit of his or her
            heirs, estate, executors and administrators.</div>
        </td>
      </tr>
      <tr>
        <td colspan="2" style="width: 100%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">SECTION 3. DEFINITIONS:</div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.03%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">(a)</div>
        </td>
        <td style="width: 93.97%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">"Corporation" for the purpose of Article XI shall mean Allianz Life Insurance Company of North America and all of its subsidiaries.</div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.03%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">(b)</div>
        </td>
        <td style="width: 93.97%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">"Proceeding" shall mean any threatened, pending, or completed action, suit or proceeding whether civil, criminal, administrative, investigative or otherwise, including actions by or in
            the right of the Corporation to procure a judgment in its favor.</div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.03%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">(c)</div>
        </td>
        <td style="width: 93.97%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">"Professional Services" shall mean services rendered pursuant to (i) a professional actuarial designation, (ii) a license to engage in the practice of law issued by a State Bar
            Institution or (iii) a Certified Public Accountant designation issued by the American Institute of Certified Public Accountants.</div>
          <div style="line-height: 12pt;"><font style="line-height: 12pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td colspan="2" style="width: 100%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Insofar as indemnification for liability arising under the Securities Act of 1933 may be permitted for directors and officers or controlling persons of the Insurance Company pursuant to
            the foregoing, 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, 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 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 style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
  </div>
  <div style="text-align: left; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow'; font-size: 10pt; font-weight: bold;">ITEM 15.&#160;&#160; RECENT SALES OF UNREGISTERED SECURITIES.</div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 6pt; font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;NOT APPLICABLE.</div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 6pt; font-family: 'Arial Narrow'; font-size: 10pt; font-weight: bold;">ITEM 16.&#160;&#160; EXHIBITS AND FINANCIAL STATEMENT SCHEDULES.</div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 9.6pt; font-family: 'Arial Narrow'; font-size: 10pt; font-weight: bold;">(a) Exhibits.</div>
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      <tr>
        <td style="width: 5.71%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">1.&#160;&#160;&#160;&#160; (a)</div>
        </td>
        <td style="width: 94.29%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/836346/0000928389-96-000190.txt">Principal Underwriter Agreement</a> by and between North American Life and Casualty Company on behalf
            of NALAC Financial Plans, Inc. dated September 14, 1988 incorporated by reference as exhibit EX-99.B3.a. from Pre-Effective Amendment No.1 to Form N-4 (File Nos. 333-06709 and 811-05618), electronically filed on December 13, 1996. (North
            American Life and Casualty Company is the predecessor to Allianz Life Insurance Company of North America. NALAC Financial Plans, Inc., is the predecessor to USAllianz Investor Services, LLC, which is the predecessor to Allianz Life Financial
            Services, LLC.)</div>
        </td>
      </tr>
      <tr>
        <td style="width: 5.71%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;&#160;&#160; (b)</div>
        </td>
        <td style="width: 94.29%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/836346/000083634610000094/bdagmt.htm">Broker-Dealer Agreement</a> (amended and restated) between Allianz Life Insurance Company of North
            America and Allianz Life Financial Services, LLC, dated June 1, 2010 incorporated by reference as exhibit EX-99B3b. from Pre-Effective Amendment No. 1 to Form N-4 (File Nos. 333-166408 and 811-05618), electronically filed on September 24, 2010.</div>
        </td>
      </tr>
      <tr>
        <td style="width: 5.71%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;&#160;&#160; (c)</div>
        </td>
        <td style="width: 94.29%; vertical-align: top;">
          <div style="line-height: 12pt; 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 filing on 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>
        </td>
      </tr>

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  <div style="text-align: left; line-height: 12pt;"><font style="font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;&#160;2.</font><font style="text-indent: 0px; font-size: 5.4pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font style="font-family: 'Arial Narrow'; font-size: 10pt;">&#160; &#160; &#160; &#160; &#160; &#160;&#160; Not applicable</font></div>
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        <td style="width: 43.2pt; vertical-align: top; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;3. (a)</td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-family: 'Arial Narrow';">&#160; &#160; &#160; &#160;&#160; <a href="https://www.sec.gov/Archives/edgar/data/72499/000007249913000003/ex3a.htm">Articles of Incorporation</a>, as amended and restated August 1, 2006, of Allianz Life Insurance Company of
            North&#160; &#160; America, filed on January 3, 2013 as Exhibit 3(a) to Registrant's initial registration on Form S-1 (File No. 333-185864), is incorporated by reference.</div>
        </td>
      </tr>

  </table>
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        <td style="width: 45pt; vertical-align: top; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <br>
        </td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/72499/000007249913000003/ex3b.htm">&#160;Bylaws, as amended and restated August 1, 2006</a>, of Allianz Life Insurance Company of North America, filed on
            January 3, 2013 as Exhibit 3(b) to Registrant's initial registration on Form S-1 (File No. 333-185864), is incorporated by reference.</div>
        </td>
      </tr>

  </table>
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  <div style="line-height: 12pt; margin-bottom: 4.8pt;"><br style="line-height: 12pt;">
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      <tr>
        <td style="width: 6%; vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">4. (a)*</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
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      </tr>
      <tr>
        <td style="width: 6%; vertical-align: top;">
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        </td>
      </tr>
      <tr>
        <td style="width: 6%; vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160; &#160; (c)*</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
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        <td colspan="2" style="vertical-align: top;">
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          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 6%; vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;&#160;&#160; (d)(i)*</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td colspan="2" style="vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">Application for Individual Variable Annuity Contract &#8211; IXA-APP-04-NF</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 6%; vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;&#160;&#160; (d)(ii)*</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td colspan="2" style="vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">Annuity Purchase Acknowledgment, E-APA-VAR-03</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 6%; vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160; &#160; (e)(i)*</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td style="width: 90%; vertical-align: top;">
          <div style="margin-right: 3.6pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">Index Performance Strategy Rider II &#8211; S40903-01</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td style="width: 0.68%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 6%; vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;&#160;&#160;&#160;(ii)*</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td style="width: 90%; vertical-align: top;">
          <div style="margin-right: 3.6pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">Index Performance Strategy Rider III &#8211; S40904-01</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td style="width: 0.68%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 6%; vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160; (f)*</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td colspan="2" style="vertical-align: top;">
          <div style="margin-right: 3.6pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">Index Protection Strategy with Trigger Rider-S40879-02</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 6%; vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160; &#160;&#160; (g)*</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td colspan="2" style="vertical-align: top;">
          <div style="margin-right: 3.6pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">Traditional Death Benefit Rider-S40880-01</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 6%; vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;&#160;(h)*</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td colspan="2" style="vertical-align: top;">
          <div style="margin-right: 3.6pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">Index Guard Strategy Rider-S40889-03.</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 6%; vertical-align: top;">
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        </td>
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          <div style="margin-right: 3.6pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">Index Precision Strategy Rider, S40891-02</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 6%; vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;&#160;(j)*</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td colspan="2" style="vertical-align: top;">
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          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 6%; vertical-align: top;">
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          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td colspan="2" style="vertical-align: top;">
          <div style="margin-right: 3.6pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">Waiver of Withdrawal Charge Rider-S40749-01</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 6%; vertical-align: top;">
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          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td colspan="2" style="vertical-align: top;">
          <div style="margin-right: 3.6pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">Maximum Anniversary Death Benefit Rider- S40897-01</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 6%; vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;&#160;(m)</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td colspan="2" style="vertical-align: top;">
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        </td>
      </tr>
      <tr>
        <td style="width: 6%; vertical-align: top;">
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          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td colspan="2" style="vertical-align: top;">
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          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 6%; vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;&#160;&#160;(o)</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td colspan="2" style="vertical-align: top;">
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          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 6%; vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;&#160;&#160;(p)</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td colspan="2" style="vertical-align: top;">
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            incorporated by reference as exhibit EX-99.B4.h. from Pre-Effective Amendment No.1 to Registrant's Form N-4 (File Nos. 333-82329 and 811-05618), electronically filed on December 30, 1999.</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>

  </table>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 4.8pt;"><font style="font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;&#160;5.**</font><font style="text-indent: 0px; font-size: 5.06pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Opinion re Legality</font></div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 4.8pt;"><font style="font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;&#160;8.</font><font style="text-indent: 0px; font-size: 5.06pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#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: 'Arial Narrow'; font-size: 10pt;">Opinion re Tax Matters - not applicable</font></div>
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  <div style="text-align: left; line-height: 12pt; margin-bottom: 4.8pt;"><font style="font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;10.</font><font style="text-indent: 0px; font-size: 5.06pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: 'Arial Narrow'; font-size: 10pt;"> <font style="text-indent: 0px; font-size: 5.06pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Material Contracts &#8211; not applicable</font></div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 4.8pt;"><font style="font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;11.</font><font style="text-indent: 0px; font-size: 5.06pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: 'Arial Narrow'; font-size: 10pt;"> <font style="text-indent: 0px; font-size: 5.06pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Not applicable</font></div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 4.8pt;"><font style="font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;12.</font><font style="text-indent: 0px; font-size: 5.06pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: 'Arial Narrow'; font-size: 10pt;"> <font style="text-indent: 0px; font-size: 5.06pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Not applicable</font></div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 4.8pt;"><font style="font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;15.</font><font style="text-indent: 0px; font-size: 5.06pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: 'Arial Narrow'; font-size: 10pt;"><font style="text-indent: 0px; font-size: 5.06pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; &#160; &#160; </font> Not applicable</font></div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 4.8pt;"><font style="font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;16.</font><font style="text-indent: 0px; font-size: 5.06pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: 'Arial Narrow'; font-size: 10pt;"> <font style="text-indent: 0px; font-size: 5.06pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Not applicable</font></div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 4.8pt;"><font style="font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;21.</font><font style="text-indent: 0px; font-size: 5.06pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: 'Arial Narrow'; font-size: 10pt;"> <font style="text-indent: 0px; font-size: 5.06pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Not applicable.</font></div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 4.8pt;"><font style="font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;23.</font><font style="text-indent: 0px; font-size: 5.06pt;" class="TRGRRTFtoHTMLTab">&#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: 'Arial Narrow'; font-size: 10pt;">(a)**&#160;&#160; Consent of Independent Registered Public Accounting Firm.</font></div>
  <div style="text-align: left; text-indent: -22.5pt; margin-left: 45pt; line-height: 12pt; margin-bottom: 4.8pt; font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#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; line-height: 12pt; margin-bottom: 4.8pt;">
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="z71fcd196e3f6429a8618af30eec14e58">

          <tr>
            <td style="width: 45pt; vertical-align: top;"><font style="font-family: 'Arial Narrow';">&#160;&#160;&#160;24.</font><font style="text-indent: 0px; font-size: 5pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></td>
            <td style="width: 27pt; vertical-align: top;"><font style="font-family: 'Arial Narrow';">&#160;&#160;&#160; (a)</font><font style="text-indent: 0px; font-size: 5.4pt;" class="TRGRRTFtoHTMLTab"> <br>
              </font></td>
            <td style="width: auto; vertical-align: top; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/72499/000007249913000003/ex24b.htm">Board Resolution, effective December 11, 2012</a>, of the Board of Directors of
              Allianz Life Insurance Company of North America, filed on January 3, 2013 as Exhibit 24(b) to Registrant's initial registration on Form S-1 (File No. 333-185864), is incorporated by reference.</td>
          </tr>

      </table>
    </div>
  </div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 4.8pt; font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; (b) <a href="https://www.sec.gov/Archives/edgar/data/72499/000119312514142646/d687637dex24d.htm">Form of Board
      Resolution of the Board of Directors of Allianz Life Insurance Company of North America,</a> effective April 14, 2014, filed on April 14, 2014 as Exhibit 24(d) to Registrant's Post-Effective Amendment No. 2 to Form S-1 (File No. 333-185864), is&#160;&#160; </div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 4.8pt; font-family: 'Arial Narrow'; 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; incorporated by reference.</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 6pt;" class="DSPFListTable" id="z7f3a0758035646eaa9d592f606d190d5">

      <tr>
        <td style="width: 22.5pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <br>
        </td>
        <td style="width: 22.9pt; vertical-align: top; font-family: 'Arial Narrow';">(c)*</td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-family: 'Arial Narrow';">Powers of Attorney.</div>
        </td>
      </tr>

  </table>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 4.8pt;"><font style="font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;25.</font><font style="text-indent: 0px; font-size: 5pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#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: 'Arial Narrow'; font-size: 10pt;">Not applicable</font></div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 6pt;"><font style="font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;26.</font><font style="text-indent: 0px; font-size: 5pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#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: 'Arial Narrow'; font-size: 10pt;">Not applicable</font></div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 6pt;">
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="zffe3ce1d3ccc4e06a112054053a0bdc6">

          <tr>
            <td style="width: 45.4pt; vertical-align: top;"><font style="font-family: 'Arial Narrow';">&#160;&#160;&#160;99.</font><font style="text-indent: 0px; font-size: 5.04pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></td>
            <td style="width: 26.6pt; vertical-align: top;"><font style="font-family: 'Arial Narrow';">&#160; (a)</font><font style="text-indent: 0px; font-size: 5.32pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160; <br>
              </font></td>
            <td style="width: auto; vertical-align: top; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/72499/000007249920000034/ex99a.htm">Alternative Minimum Value Exhibit</a> - IXA-032 (05/2020), filed on April 9, 2020 as
              Exhibit 99(a) to Registrant's initial registration on S-1 (File No. 333-237621), is incorporated by reference.</td>
          </tr>

      </table>
    </div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 6pt;" class="DSPFListTable" id="zfad3f36aa9e84c6ca502260e308330bd">

      <tr>
        <td style="width: 22.5pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <br>
        </td>
        <td style="width: 22.9pt; vertical-align: top; font-family: 'Arial Narrow';">&#160; (b)</td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/72499/000007249921000013/ex99b.htm">Appendix B Exhibit &#8211; Daily Adjustment Calculation</a> - IXA-010b (05/2021), filed on April 16, 2021, as Exhibit 99(b)
            to Registrant's initial registration on Form S-1 (File No. 333-255307), is incorporated by reference.</div>
        </td>
      </tr>

  </table>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 4.8pt;" class="DSPFListTable" id="zb4fb14a0fa0943d98b9d2884d2d87c16">

      <tr>
        <td style="width: 22.5pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <br>
        </td>
        <td style="width: 22.5pt; vertical-align: top; font-family: 'Arial Narrow';">&#160; (c)</td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/72499/000007249918000008/audittransitionltr.htm">Transition Representation Letter</a> - Independent Registered Public Accounting Firm, pursuant to S-K,
            item 304, incorporated by reference as Exhibit 99(c) from Post-Effective Amendment No. 2 to Registrant&#8217;s Form S-1 (File No. 333-215103), electronically filed on April 17, 2018.</div>
        </td>
      </tr>

  </table>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 4.8pt;" class="DSPFListTable" id="z51b00bb56e744978bd062dad96346165">

      <tr>
        <td style="width: 4.5pt;"><br>
        </td>
        <td style="width: 40.5pt; vertical-align: top; font-family: 'Arial Narrow';">107.*</td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-family: 'Arial Narrow';">Filing Fee Table</div>
        </td>
      </tr>

  </table>
  <div style="text-align: left; line-height: 11.4pt; margin-top: 6pt; font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;*&#160; Filed herewith</div>
  <div style="text-align: left; line-height: 11.4pt; margin-top: 6pt; font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;** To be filed by amendment</div>
  <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
  </div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 6pt; font-family: 'Arial Narrow'; font-size: 10pt; font-weight: bold;">(b) Financial Statement Schedules</div>
  <div style="text-align: left; margin-left: 18pt; line-height: 12pt; margin-bottom: 6pt; font-family: 'Arial Narrow'; font-size: 10pt;">All required financial statement schedules of Allianz Life Insurance Company of North America are included in Part I of
    this registration statement.</div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div class="BRPFPageFooter"></div>
    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    <div class="BRPFPageHeader"></div>
  </div>
  <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
  </div>
  <div style="text-align: left; line-height: 12pt; margin-top: 6pt; margin-bottom: 6pt; font-family: 'Arial Narrow'; font-size: 10pt; font-weight: bold;">ITEM 17.&#160;&#160; UNDERTAKINGS.</div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 6pt; font-family: 'Arial Narrow'; font-size: 10pt;">The undersigned registrant hereby undertakes pursuant to Item 512 of Regulation S-K:</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="z9a570c34b9894a82a02e28ed2521e1be">

      <tr>
        <td style="width: 6.04%; vertical-align: top;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow';">(1)</div>
        </td>
        <td colspan="2" style="width: 93.96%; vertical-align: top;">
          <div style="line-height: 12pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">To file, during any period in which offers or sales are being made, a&#160; post-effective amendment to this registration statement:</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.04%; vertical-align: top;">&#160;</td>
        <td style="width: 6.2%; vertical-align: top;">
          <div style="text-align: center; line-height: 11.4pt; font-family: 'Arial Narrow';">(i)</div>
        </td>
        <td style="width: 87.76%; vertical-align: top;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow';">To include any prospectus required by section 10(a)(3) of the Securities Act of 1933;</div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.04%; vertical-align: top;">&#160;</td>
        <td style="width: 6.2%; vertical-align: top;">
          <div style="text-align: center; line-height: 11.4pt; font-family: 'Arial Narrow';">(ii)</div>
        </td>
        <td style="width: 87.76%; vertical-align: top;">
          <div style="line-height: 12pt; margin-bottom: 2pt; 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&#160; in the effective registration statement.</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.04%; vertical-align: top;">&#160;</td>
        <td style="width: 6.2%; vertical-align: top;">
          <div style="text-align: center; line-height: 11.4pt; font-family: 'Arial Narrow';">(iii)</div>
        </td>
        <td style="width: 87.76%; vertical-align: top;">
          <div style="line-height: 12pt; margin-bottom: 2pt; 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>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.04%; vertical-align: top;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow';">(2)</div>
        </td>
        <td colspan="2" style="width: 93.96%; vertical-align: top;">
          <div style="margin-left: 1.75pt; line-height: 12pt; margin-bottom: 6pt; 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>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.04%; vertical-align: top;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow';">(3)</div>
        </td>
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          <div style="margin-left: 1.75pt; line-height: 12pt; margin-bottom: 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>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.04%; vertical-align: top;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow';">(4)</div>
        </td>
        <td colspan="2" style="width: 93.96%; vertical-align: top;">
          <div style="margin-left: 1.75pt; line-height: 12pt; margin-bottom: 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>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.04%; vertical-align: top;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow';">(5)</div>
        </td>
        <td colspan="2" style="width: 93.96%; vertical-align: top;">
          <div style="margin-left: 1.75pt; line-height: 12pt; margin-bottom: 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>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.04%; vertical-align: top;">&#160;</td>
        <td style="width: 6.2%; vertical-align: top;">
          <div style="text-align: center; line-height: 11.4pt; font-family: 'Arial Narrow';">(i)</div>
        </td>
        <td style="width: 87.76%; vertical-align: top;">
          <div style="line-height: 12pt; margin-bottom: 2pt; 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>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.04%; vertical-align: top;">&#160;</td>
        <td style="width: 6.2%; vertical-align: top;">
          <div style="text-align: center; line-height: 11.4pt; font-family: 'Arial Narrow';">(ii)</div>
        </td>
        <td style="width: 87.76%; vertical-align: top;">
          <div style="text-align: justify; line-height: 12pt; margin-bottom: 2pt; 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>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.04%; vertical-align: top;">&#160;</td>
        <td style="width: 6.2%; vertical-align: top;">
          <div style="text-align: center; line-height: 12pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">(iii)</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td style="width: 87.76%; vertical-align: top;">
          <div style="text-align: justify; line-height: 12pt; margin-bottom: 2pt; 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>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.04%; vertical-align: top;">&#160;</td>
        <td style="width: 6.2%; vertical-align: top;">
          <div style="text-align: center; line-height: 12pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">(iv)</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td style="width: 87.76%; vertical-align: top;">
          <div style="text-align: justify; line-height: 12pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">Any other communication that is an offer in the offering made by the undersigned registrant to the purchaser.</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.04%; vertical-align: top;">
          <div style="text-align: justify; line-height: 12pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">(6)</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td colspan="2" style="width: 93.96%; vertical-align: top;">
          <div style="margin-left: 1.75pt; line-height: 12pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">Insofar as indemnification for liability arising under the Securities Act of 1933 may be permitted to directors, officers and controlling
            persons of the Registrant pursuant to the foregoing provisions, or otherwise, the registrant 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 registrant of expenses incurred or paid by a director, officer or controlling person of the registrant 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 registrant 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: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>

  </table>
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  <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">SIGNATURES</div>
  <div style="line-height: 10.25pt;"><br style="line-height: 10.25pt;">
  </div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 6pt; 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 21<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">st</sup> day of December, 2022.</div>
  <div style="text-align: left; margin-left: 162pt; line-height: 12pt; margin-bottom: 6pt; font-family: 'Times New Roman'; font-size: 10pt;">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</div>
  <div style="text-align: left; margin-left: 162pt; line-height: 12pt; margin-bottom: 6pt; font-family: 'Times New Roman'; font-size: 10pt;">By: <u>/s/ Jasmine M. Jirele*</u></div>
  <div style="text-align: left; margin-left: 162pt; line-height: 12pt; margin-bottom: 6pt; font-family: 'Times New Roman'; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Jasmine M. Jirele</div>
  <div style="text-align: left; margin-left: 162pt; line-height: 12pt; margin-bottom: 6pt; font-family: 'Times New Roman'; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Chief Executive Officer, President, and Director</div>
  <div style="line-height: 10.25pt;"><br style="line-height: 10.25pt;">
  </div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 6pt; 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 December 21 2022.</div>
  <div style="line-height: 10.25pt;"><br style="line-height: 10.25pt;">
  </div>
  <div style="line-height: 10.25pt;"><br style="line-height: 10.25pt;">
  </div>
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        <td style="width: 34.74%; vertical-align: top;">
          <div style="line-height: 14.4pt; border-bottom: 0.5pt solid black;">
            <div style="text-align: center; line-height: 12pt; font-family: 'Arial Narrow'; font-weight: bold;">Signature</div>
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        <td colspan="2" style="width: 65.26%; vertical-align: top;">
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            <div style="text-align: center; line-height: 12pt; font-family: 'Arial Narrow'; font-weight: bold;">Title</div>
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        </td>
      </tr>
      <tr>
        <td style="width: 34.74%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Jasmine Jirele<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">*</sup></div>
        </td>
        <td style="width: 59.54%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Director, President &amp; Chief Executive Officer</div>
        </td>
        <td style="width: 5.72%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 34.74%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Andreas G. Wimmer<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">*</sup></div>
        </td>
        <td style="width: 59.54%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Director and Board Chair</div>
        </td>
        <td style="width: 5.72%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 34.74%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Walter R. White<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">*</sup></div>
        </td>
        <td style="width: 59.54%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Director</div>
        </td>
        <td style="width: 5.72%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 34.74%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Udo Frank<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">*</sup></div>
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        <td style="width: 59.54%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Director</div>
        </td>
        <td style="width: 5.72%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 34.74%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">William E. Gaumond<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">*</sup></div>
        </td>
        <td style="width: 59.54%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Director, Senior Vice President, Chief Financial Officer and Treasurer (principal accounting officer)</div>
        </td>
        <td style="width: 5.72%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 34.74%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Kevin E. Walker<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">*</sup></div>
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Anna Sophie Herken<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">*</sup></div>
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        <td style="width: 59.54%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Director</div>
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Director</div>
        </td>
        <td style="width: 5.72%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 34.74%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Howard E. Woolley<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">*</sup></div>
        </td>
        <td style="width: 59.54%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Director</div>
        </td>
        <td style="width: 5.72%; vertical-align: top;">&#160;</td>
      </tr>

  </table>
  <div style="line-height: 10.25pt;"><br style="line-height: 10.25pt;">
  </div>
  <div style="text-align: left; text-indent: -14.4pt; margin-left: 14.4pt; line-height: 10pt; margin-top: 6pt; font-family: 'Times New Roman'; font-size: 8pt;">*By Power of Attorney, filed as Exhibit 24(c) to this Registration Statement.</div>
  <div style="line-height: 10pt; margin-bottom: 1pt;"><br style="line-height: 10pt;">
  </div>
  <div style="line-height: 12pt; margin-bottom: 6pt;"><br style="line-height: 12pt;">
  </div>
  <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 style="text-indent: 0px; font-size: 5pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#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="line-height: 10.25pt;"><br style="line-height: 10.25pt;">
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  </div>
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  </div>
  <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">FORM S-1</div>
  <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
  </div>
  <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</div>
  <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
  </div>
  <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">INDEX TO EXHIBITS</div>
  <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="line-height: 12pt; margin-bottom: 4.8pt;"><br style="line-height: 12pt;">
  </div>
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      <tr>
        <td style="width: 97.86%; vertical-align: top;"></td>
        <td style="width: 2.14%; vertical-align: top;">&#160;</td>
      </tr>

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      <tr>
        <td style="width: 8.18%; vertical-align: top; border-bottom: #000000 2px solid;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow'; font-weight: bold;">Exhibit</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td colspan="2" style="width: 91.82%; vertical-align: top; border-bottom: #000000 2px solid;">
          <div style="margin-right: 3.6pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow'; font-weight: bold;">Description of Exhibit</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 8.18%; vertical-align: top; border-top: #000000 2px solid;">
          <div style="text-align: right; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">4.(a)</div>
          <div style="line-height: 0pt; text-align: right;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td colspan="2" style="width: 91.82%; vertical-align: top; border-top: #000000 2px solid;">
          <div style="margin-right: 3.6pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">Individual Variable Annuity Contract, L40538-01</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 8.18%; vertical-align: top;">
          <div style="text-align: right; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;(b)</div>
          <div style="line-height: 0pt; text-align: right;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td colspan="2" style="width: 91.82%; vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">Contract Schedule Page, S40875-01-NF</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 8.18%; vertical-align: top;">
          <div style="text-align: right; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;(c)</div>
          <div style="line-height: 0pt; text-align: right;"><font style="line-height: 0pt;">&#160;</font></div>
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          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">Application for Individual Variable Annuity Contract &#8211; IXA-APP-04-NF</div>
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          <div style="margin-right: 3.6pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">Index Performance Strategy Rider II &#8211; S40903-01</div>
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      <tr>
        <td style="width: 8.18%; vertical-align: top;">
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{"company-data": {"conformed-name": "ALLIANZ LIFE INSURANCE CO OF NORTH AMERICA", "cik": "0000072499", "assigned-sic": "6311", "irs-number": "411366075", "state-of-incorporation": "MN", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "S-1", "act": "33", "file-number": "333-268951", "film-number": "221481781"}, "business-address": {"street1": "5701 GOLDEN HILLS DRIVE", "city": "MINNEAPOLIS", "state": "MN", "zip": "55416", "phone": "800-950-5872"}, "mail-address": {"street1": "5701 GOLDEN HILLS DRIVE", "city": "MINNEAPOLIS", "state": "MN", "zip": "55416"}, "former-company": {"former-conformed-name": "NORTH AMERICAN LIFE & CASUALTY CO", "date-changed": "19951012"}}
As filed with the Securities and Exchange Commission on December 21
, 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 North America
(Exact name of Registrant as specified in its charter)
Minnesota
(State or other jurisdiction of
incorporation or organization)
6311
(Primary Standard Industrial
Classification Code Number)
41-1366075
(I.R.S. Employer
Identification No.)
5701 Golden Hills Drive
Minneapolis, MN 55416
(800) 950-5872
(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+ NF
SM
VARIABLE ANNUITY CONTRACT
Issued by Allianz Life Variable Account B and Allianz Life Insurance Company of North America (Allianz
                Life, we, us, our)
The information in this prospectus
                            is not complete and may be changed. We cannot sell Allianz Index Advantage+
NF
SM
Variable Annuity pursuant to this prospectus until the Registration Statement containing this prospectus filed
with the Securities and Exchange
                            Commission is effective. This prospectus is not an offer to sell the Contract and is
not soliciting an offer to buy the
                            Contract in any state where the offer or sale is not permitted.
The variable annuity described in this prospectus is an individual flexible purchase payment index-linked variable deferred annuity
                contract (Contract). This prospectus describes the Contract between you, the Owner, and Allianz Life.
The Contract allows you to allocate your money (Purchase Payments) and any earnings among the Contract's investment options, which
                currently include index-linked investment options (Index Options). The Contract also includes the AZL Government Money Market Fund, but you cannot allocate Purchase Payments to this fund.
•
Index Options.
Each Index Option is tied (or linked) to the performance of a specific market Index for a defined time period (Term). Each Index Option has a downside feature that provides limited protection against any negative Index rate of
                    return (Index Return) that may be credited to your investment for a Term. Limited protection from negative Index Returns is provided by the Buffer for Index Precision Strategy and Index Performance Strategy, and by the Floor for the
                    Index Guard Strategy. The Index Protection Strategy with Trigger provides 100% protection against negative Index Returns. Each Index Option also has an upside feature that puts an upper limit on positive Index Return that may be
                    credited for a Term. The upper limit on positive Index Return is provided by the Cap for Index Performance Strategy and Index Guard Strategy; and the Trigger Rate for Index Precision Strategy and Index Protection Strategy with Trigger.
                    Multi-year Term Index Options also have a Participation Rate that may allow you receive more than the positive Index Return.
•
AZL Government Money Market Fund.
The sole purpose of the AZL Government Money Market Fund is to hold Purchase Payments until they are transferred to the Index Options. The AZL Government Money Market Fund performance is based on the
                    securities in which it invests.
We expect to add Index Options from time to time. We currently offer the following Index Options: Index Protection Strategy with
                Trigger 1-year Term with 0.10% minimum Trigger Rate; Index Precision Strategy 1-year Term with 10% Buffer and 0.10% minimum Trigger Rate; Index Guard Strategy 1-year Term with -10% Floor and 0.10% minimum Cap; Index Performance Strategy
                1-year Term with 10% Buffer and 0.10% minimum Cap; Index Performance Strategy 3-year Term with 10% or 20% Buffer, 2% minimum Cap, and 100% minimum Participation Rate; and Index Performance Strategy 6-year Term with 10% Buffer, 5% minimum
                Cap, and 100% minimum Participation Rate.
Index-linked and variable annuity contracts are complex insurance and investment vehicles. You may lose money,
                including your principal investment and previously credited earnings. Contract fees and expenses could cause your losses to be greater than the downside protection of the Index Options. Your losses may be significant.
Before you invest, be sure to ask your Financial Professional 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's risks are
                described in Risk Factors on page 18 of this prospectus.
Before the end of an Index Option's Term, if you take any type of withdrawal, execute the Performance Lock
                feature, begin Annuity Payments, or if we pay a death benefit or deduct a fee or expense, we base the transaction on the interim value of your Index Option investment, which includes the Daily Adjustment. The Daily Adjustment fluctuates
                daily. With the Index Precision Strategy, Index Guard Strategy, or Index Performance Strategy the Daily Adjustment can be positive or negative. However, with the Index Protection Strategy with Trigger the Daily Adjustment cannot be
                negative. The Daily Adjustment could reflect significantly less gain, or more loss than we would apply to an Index Option at the end of a Term. If you select multiple multi-year Term Index Options, there may be no time that any such
                transaction can be performed without the application of at least one Daily Adjustment.
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 will be subject to withdrawal charges, will reduce the Contract Value, Cash Value, and Guaranteed Death Benefit Value (perhaps significantly), and may be subject to federal and state income
                taxes (including a 10% additional federal tax).
A six-year withdrawal charge period applies to the initial and any additional
Allianz Index Advantage+ NF
SM
Variable Annuity Prospectus – May 1, 2023
1
Purchase Payment.
Please consult with your Financial Professional before requesting us to pay financial adviser fees from this Contract rather than from other assets you may
                have.
All guarantees under the Contract, including index-linked returns (Performance Credits), are
                the obligations of Allianz Life 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 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. In some states, this cancellation period may be longer. Upon cancellation, you will receive either a full refund of the amount you paid with your application or your total Contract Value. If you have an Individual Retirement
                Annuity Contract, we refund the greater of Purchase Payments less withdrawals, or 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.
This prospectus is not intended to constitute a suitability recommendation or fiduciary advice.
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
.
Dated: May 1, 2023
Allianz Index Advantage+ NF
SM
Variable Annuity Prospectus – May 1, 2023
2
TABLE OF CONTENTS
Glossary
5
Important Information You Should
                              Consider About the
Contract
10
Overview of the Contract
14
What Is the Purpose of the Contract?
14
What Are the Phases of the Contract?
15
What Are the Contract's Primary
                              Features?
16
Fee Tables
17
Transaction Expenses
17
Annual Contract Expenses
18
Annual Expenses of the AZL Government Money
Market Fund
18
Example
18
Risk Factors
18
Liquidity Risks
18
Risks of Investing in Securities
19
Risk of Negative Returns
21
Risks Associated with Calculation of Performance
Credits
22
Risks Associated with Performance Locks and Early
Reallocations
22
Substitution of an Index and Limitation on Further
Investments
23
Changes to Trigger Rates, Caps, and Participation
Rates
24
Investment in Derivative Hedging Instruments
25
Risks of Deducting Financial Adviser Fees from the
Contract
25
Our Financial Strength and Claims-Paying Ability
25
Regulatory Protections
26
1.
The Contract
26
When the Accumulation Phase Ends
27
Financial Adviser Fees
27
When the Contract Ends
28
2.
Ownership, Annuitant, Determining
                              Life,
Beneficiary, and Payee
29
Owner
29
Joint Owner
29
Annuitant
29
Determining Life (Lives)
29
Beneficiary
30
Payee
30
Assignments, Changes of Ownership and Other
Transfers of Contract Rights
30
3.
Purchasing the Contract
30
Purchase Requirements
30
Applications Sent Electronically
31
Allocation of Purchase Payments and Contract Value
Transfers
31
Electronic Allocation Instructions
33
Free Look/Right To Examine Period
33
4.
Valuing Your Contract
34
Determining Variable Account Value
34
How the Crediting Methods Work
35
Comparing Crediting Methods
36
Bar Chart Examples of Crediting Method Performance
38
Determining Index Option Values
42
Calculating Performance Credits
44
Daily Adjustment
45
Performance Locks and Early Reallocations
46
5.
AZL Government Money Market Fund
47
Substitution and Limitation on Holdings
48
Excessive Trading and Market Timing
48
Voting Privileges
50
6.
Expenses
50
Optional Benefit Additional Rider Fee
51
Contract Maintenance Charge (Administrative
Expenses)
52
Withdrawal Charge
52
Daily Adjustment Maximum Potential Loss
54
Premium Tax
54
Income Tax
54
AZL Government Money Market Fund Expenses
54
7.
Access to Your Money
55
Free Withdrawal Privilege
56
Minimum Distribution Program and Required Minimum
Distribution (RMD) Payments
56
Waiver of Withdrawal Charge Benefit
56
Suspension of Payments or Transfers
57
8.
The Annuity Phase
57
Calculating Your Annuity Payments
57
Annuity Payment Options
57
When Annuity Payments Begin
58
9.
Benefits Available Under the Contract
59
10.
Death Benefit
62
Maximum Anniversary Value
63
Death of the Owner and/or Annuitant
65
Death Benefit Payment Options During the
Accumulation Phase
65
Death Benefit Payment Options
65
Allianz Index Advantage+ NF
SM
Variable Annuity Prospectus – May 1, 2023
3
TABLE OF CONTENTS
11.
Taxes
66
Annuity Contracts in General
66
Qualified Contracts
66
Summary of Individuals and Entities That Can Own a
Qualified Contract
67
Non-Qualified Contracts
67
Non-Qualified Contracts Owned by Non-Individuals
67
Taxation of Withdrawals
67
10% Additional Federal Tax
68
Non-Qualified Annuity Medicare Tax
69
Payments for Financial Adviser Fees
69
RMDs From Qualified Contracts
69
Diversification
70
Owner Control
70
Taxation of Annuity Payments
70
Distributions Upon the Owner's Death (or Annuitant's
Death If the Owner Is a Non-individual)
70
Tax-Free Section 1035 Exchanges
72
Multiple Non-Qualified Contracts Purchased In the
Same Year By the Same Owner
72
Assignments, Pledges and Gratuitous Transfers
72
Income Tax Withholding
73
Federal Estate Taxes
73
Generation-Skipping Transfer Tax
73
Foreign Tax Credits
73
Possible Tax Law Changes
73
12.
Other Information
73
The Registered Separate Account
73
Our General Account
74
Our Unregistered Separate Account
74
Distribution
74
Additional Credits for Certain Groups
76
Administration/Allianz Service Center
76
Legal Proceedings
76
Status Pursuant to Securities Exchange Act of 1934
76
13.
Information on Allianz Life
76
Directors, Executive Officers and Corporate
Governance
76
Executive Compensation
81
Security Ownership of Certain Beneficial Owners and
Management
91
Transactions with Related Persons, Promoters and
Certain Control Persons
91
Business and Operational Risks Relevant to the
Contract
92
14.
Financial Statements
99
Appendix A – Available Indexes
100
S&P 500
®
Index
100
Russell 2000
®
Index
100
Nasdaq-100
®
Index
101
EURO STOXX 50
®
101
i
Shares
®
MSCI Emerging Markets ETF
102
Appendix B – Daily Adjustment
103
Appendix C – Rider Fee Calculation
                              Example
105
Appendix D – Material Contract
                              Variations by State
106
Material State Contract Variations
106
Appendix E – Variable Investment Option
                              Under the
Contract
107
Appendix F – Audited Selected Financial
                              Data and
Statutory Financial Statements
108
Management's Discussion and Analysis of Financial
Condition and Results of Operations (For the 12
month period ending December 31, 2022)
108
Statutory Financial Statements
108
For Service or More Information
109
Our Service Center
109
Allianz Index Advantage+ NF
SM
Variable Annuity Prospectus – May 1, 2023
4
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.
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. Your Annuity Date must occur on an Index Anniversary. The earliest available Annuity Date is the second Index Anniversary, and the latest possible Annuity Date is age 100.
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 with the Index
                Precision Strategy and Index Performance Strategy, this is the negative Index Return that we absorb over the duration of a Term (which can be either one, three, or six years) before applying a negative Performance Credit. We do
not
apply the Buffer annually on a 3-year or 6-year Term Index Option.
                The Index Precision Strategy Buffers are 10%, and Index Performance Strategy Buffers are either 10% or 20%. Buffers do not change.
Business Day
– each day on which the New York
                Stock Exchange is open for trading. Allianz Life 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 with the Index
                Performance Strategy, or Index Guard Strategy, this is the upper limit on positive Index performance after application of any Participation Rate over the duration of a Term (which can be either one, three, or six years) and the maximum
                potential Performance Credit for an Index Option. We do
not
apply the Cap annually on a 3-year or 6-year Term Index Option. On each Term Start Date, we set a Cap for each Index Option with the Index Performance Strategy, and Index Guard Strategy. The Caps applicable to your Contract are shown on the
                Index Options Statement.
Cash Value
– the amount available upon
                liquidation (full withdrawal). It is the Contract Value less any final rider fee, contract maintenance charge, and withdrawal charge.
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 rider fee we deduct if you select the Maximum Anniversary Value Death Benefit.
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 current value of the
                Purchase Payments you invest. On any Business Day, your Contract Value is the sum of your Index Option Value(s) and Variable Account Value. Variable Account Value fluctuates each Business Day that money is held in the AZL Government Money
                Market Fund. Index Option Value is increased or decreased on each Term End Date to reflect Performance Credits, which can be negative with the Index Precision Strategy, Index Guard Strategy, and Index Performance Strategy.
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 Term
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Variable Annuity Prospectus – May 1, 2023
5
Start Date or Term End Date. 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. The Cash Value reflects all Contract fees and expenses we would apply on liquidation (including any withdrawal charge).
Contract Year
– any period of twelve months
                beginning on the Issue Date or a subsequent Contract Anniversary.
Crediting Method
– a method we use to
                calculate Performance Credits for the Index Options.
Daily Adjustment
– how we calculate Index
                Option Values on days other than the Term Start Date or Term End Date as discussed in section 4, Valuing Your Contract – Daily Adjustment; and Appendix B. The Daily Adjustment approximates the Index Option Value that will be available on
                the Term End Date. It is the estimated present value of the future Performance Credit that we will apply on the Term End Date. The Daily Adjustment for the Index Protection Strategy with Trigger cannot be negative.
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 or Maximum Anniversary Value Death Benefit.
Early Reallocation
– a feature that allows you
                to move assets out of a locked Index Option on days other than an Index Anniversary or a Term End Date.
Financial Professional
– the person who advises
                you regarding the Contract.
Floor
– for any Index Option with the Index
                Guard Strategy, this is the maximum amount of negative Index Return you absorb as a negative Performance Credit. The Floors are -10% and do not change.
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 either total Purchase Payments reduced proportionately for withdrawals you take
                (including any withdrawal charge) if you select the Traditional Death Benefit, or the Maximum Anniversary Value if you select the Maximum Anniversary Value Death Benefit. 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. These
                deductions will, however, reduce the Contract Value we use to calculate the Maximum Anniversary Value.
Index (Indexes)
– one (or more) of the
                nationally recognized third-party broad based equity securities price return Indexes or exchange-traded fund available to you under your Contract as described in Appendix A.
Index Anniversary
– a twelve-month anniversary
                of the Index Effective Date or any subsequent Index Anniversary.
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 Guard Strategy
– one of the Crediting
                Methods described in section 4, Valuing Your Contract. The Index Guard Strategy calculates Performance Credits based on Index Returns subject to a Cap and -10% Floor. You can receive negative Performance Credits under this Crediting Method,
                which means you can lose principal and previous earnings. The Index Guard Strategy is more sensitive to smaller negative market movements that persist over time because the -10% Floor reduces the impact of large negative market movements.
                In an extended period of smaller negative market returns, the risk of loss is greater with the Index Guard Strategy than with the Index Performance Strategy and Index Precision Strategy.
Index Option
– the index-linked investments
                available to you under the Contract. Each Index Option is the combination of an Index, a Crediting Method, a Term length, and any applicable Buffer or Floor amount.
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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 Term End Dates 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, other than the Term Start Date or Term End Date, the Index Option Values also include 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, Trigger Rates, Caps, and Participation Rates for the Index Options you
                selected. On each Index Anniversary, the statement shows the new Index Values, Performance Credits received, and renewal Trigger Rates, Caps, and Participation Rates that are effective for the next Term for the Index Options you selected
                that have reached their Term End Date. The Index Options Statement also shows any applicable Buffer or Floor for your selected Index Option(s). For any Index Option you selected that has not reached its Term End Date the statement shows the
                current Index Anniversary's Index Option Value, which includes the Daily Adjustment.
Index Performance Strategy
– one of the
                Crediting Methods described in section 4, Valuing Your Contract. This Crediting Method offers 1-year, 3-year, and 6-year Terms. The Index Performance Strategy calculates Performance Credits based on Index Returns subject to any applicable
                Participation Rate, Cap, and a 10% or 20% Buffer. You can receive negative Performance Credits under this Crediting Method, which means you can lose principal and previous earnings. The Index Performance Strategy is more sensitive to large
                negative market movements because small negative market movements are absorbed by the 10% or 20% Buffer. In a period of extreme negative market performance, the risk of loss is greater with the Index Performance Strategy than with the Index
                Guard Strategy.
Index Precision Strategy
– one of the
                Crediting Methods described in section 4, Valuing Your Contract. The Index Precision Strategy calculates Performance Credits based on Index Values and Index Returns subject to the Trigger Rate and 10% Buffer. You can receive negative
                Performance Credits under this Crediting Method, which means you can lose principal and previous earnings. The Index Precision Strategy may perform best in periods of small positive market movements because the Trigger Rates will generally
                be greater than the Index Protection Strategy Trigger Rates, but less than the Index Performance Strategy Caps. The Index Precision Strategy is 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 Precision Strategy than with the Index Guard Strategy.
Index Protection Strategy with Trigger
– one
                of the Crediting Methods described in section 4, Valuing Your Contract. The Index Protection Strategy with Trigger provides Performance Credits equal to the Trigger Rate on the Term End Date if the current Index Value is equal to or greater
                than the Index Value on the Term Start Date. The Index Protection Strategy with Trigger does not allow negative Performance Credits, and offers the least growth opportunity as Trigger Rates will generally be less than Caps, and the Trigger
                Rates available with the Index Precision Strategy.
Index Return
– the percentage change in Index
                Value from the Term Start Date to the Term End Date, which we use to determine the Performance Credits. The Index Return is the Index Value on the Term End Date, minus the Index Value on the Term Start Date, divided by the Index Value on
                the Term Start Date.
Index Value
– an Index's closing market price
                at the end of the Business Day on the Term Start Date and Term End Date 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. Joint Owners must be spouses within the meaning of federal tax law.
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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 Term End Date.
Maximum Anniversary Value
– the highest
                Contract Value on any Index Anniversary before age 91, increased by the dollar amount of subsequent Purchase Payments, and reduced proportionately for subsequent withdrawals you take (including any withdrawal charge), used to determine the
                Maximum Anniversary Value Death Benefit as discussed in section 10. All withdrawals you take reduce your Maximum Anniversary Value, even Penalty-Free Withdrawals, and any financial adviser fees that you choose to have us pay from this
                Contract. Deductions we make for Contract fees and expenses other than the withdrawal charge do not reduce the Maximum Anniversary Value. These deductions will, however, reduce the Contract Value we use to calculate the Maximum Anniversary
                Value.
Maximum Anniversary Value Death Benefit
– an
                optional benefit described in section 10 that has an additional rider fee and is intended to potentially provide a death benefit greater than the Traditional Death Benefit. The Maximum Anniversary Value Death Benefit can only be added to a
                Contract at issue.
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.
Participation Rate
– may allow you to receive
                more than the Index Return if the Index Return is positive, but the Participation Rate cannot boost Index Returns beyond any declared Cap. We do
not
apply the Participation Rate if the Index Return is zero or negative. We do
not
apply the Participation Rate annually. The Participation Rate is only available on the Index Performance Strategy
                3-year and 6-year Terms. The Participation Rate is not available on Index Performance Strategy 1-year Terms. We set Participation Rates on each Term Start Date. The Participation Rates applicable to your Contract are shown on the Index
                Options Statement.
Payee
– the person or entity who receives
                Annuity Payments during the Annuity Phase.
Performance Credit
– the return you receive on
                a Term End Date from the Index Options. We base Performance Credits on Index Values and Index Returns after application of any Participation Rate up to the Cap if returns are positive, or after application of any Trigger Rate if returns are
                flat or positive, or after application of any Buffer or Floor if returns are negative. Performance Credits cannot be negative with the Index Protection Strategy with Trigger Index Options.
However, Performance Credits
can
                be negative with the Index Precision Strategy, Index Guard Strategy, and Index Performance Strategy Index Options.
If Performance Credits are negative,
you can lose principal and previous earnings.
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 Lock
– a feature that allows you to
                capture the current Index Option Value during the Term. 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 locked Index Option Value will not receive a Performance Credit. We will not execute a Performance Lock on Index Protection Strategy with Trigger Index Options if the Daily
                Adjustment is zero.
Proxy Investment
– provides a current estimate
                of what the Performance Credit will be on the Term End Date taking into account any applicable Buffer, Floor, Trigger Rate, Cap, and/or Participation Rate. We use the Proxy Investment to calculate the Daily Adjustment on Business Days other
                than the Term Start Date or Term End Date. 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.
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.
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Quarterly Contract Anniversary
– the day that
                occurs three calendar months after the Issue Date or any subsequent Quarterly Contract Anniversary.
Separate Account
– Allianz Life Variable
                Account B is the Separate Account that issues the variable investment portion of your Contract. It is a separate investment account of Allianz Life. The Separate Account holds the shares of the AZL Government Money Market Fund subaccount
                that underlies the Contracts. The Separate Account is divided into subaccounts, each of which invests exclusively in a variable investment option. The only currently available variable investment option is the AZL Government Money Market
                Fund. 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.
Term
– The period of time, from the Term Start
                Date to the Term End Date, in which we measure Index Return to determine Performance Credits.
Term End Date –
The day on which a Term ends
                and we apply Performance Credits. A Term End Date may only occur on an Index Anniversary. If a Term End Date does not occur on a Business Day, we consider it to occur on the next Business Day.
Term Start Date –
The day on which a Term
                begins and we set the Trigger Rates, Caps, and Participation Rates for an Index Option. A Term Start Date may only occur on the Index Effective Date or an Index Anniversary. If a Term Start Date does not occur on a Business Day, we consider
                it to occur on the next Business Day. However, if you execute a Performance Lock and then request an Early Reallocation, the Term Start Date will be the Business Day we receive your Early Reallocation request in Good Order.
Traditional Death Benefit
– the guaranteed
                death benefit automatically provided by the Contract for no additional fee described in section 10.
Trigger Rate
– the positive Performance Credit
                you receive on a Term End Date if Index performance is zero or positive for any Index Option with the Index Protection Strategy with Trigger, or Index Precision Strategy. You receive a Performance Credit equal to the Trigger Rate on the
                Term End Date if the current Index Value is equal to or greater than the Index Value on the Term Start Date. For the Index Protection Strategy with Trigger, you will not receive a negative Performance Credit if the Index Value decreases
                from the Term Start Date the Term End Date. For the Index Precision Strategy, you will receive a negative Performance Credit if the Index Value decreases from the Term Start Date the Term End Date and the decrease is greater than the
                Buffer. On each Term Start Date, we set a Trigger Rate for each Index Option with the Index Protection Strategy with Trigger, and Index Precision Strategy. The Trigger Rates provide predefined upside potential. The Trigger Rates applicable
                to your Contract are shown on the Index Options Statement.
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 the value of the shares in the AZL Government Money Market Fund subaccount which holds your Purchase Payments until the Index Effective Date or the next Index Anniversary. The Variable Account Value increases and decreases based on
                the performance of the AZL Government Money Market Fund and reflects deduction of the fund's operating expenses, any previous deductions we made for Contract fees and expenses, and financial adviser fees that you choose to have us pay from
                this Contract.
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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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 six years of your
                            last Purchase Payment,
you will 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
Term End Date, a Daily Adjustment will apply to amounts invested in
                            the Index Option that
is available for withdrawal. The Daily Adjustment also applies if
                            before the Term End Date
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
                            negative depending on
the applicable Crediting Method. You will lose money if the Daily
                            Adjustment is negative.
•
Index Precision Strategy, Index Guard Strategy, and Index Performance
Strategy
. Daily Adjustments under these Crediting Methods 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 20% Buffer, or -10% Floor, as applicable,
                            but it cannot result
in a total loss of -100%.
•
Index Protection Strategy with Trigger
. Daily Adjustments under this
                            Crediting
Method may be positive or equal to zero, but cannot be negative.
Fee Tables
4. Valuing Your
Contract – Daily
Adjustment
6. Expenses –
Withdrawal
Charge
Appendix B –
Daily
Adjustment
Transaction
Charges
Other than withdrawal charges and Daily Adjustments that may apply
                            to withdrawals and
other transactions under the Contract, there are no other
                            transaction charges.
Not Applicable
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.
[To be updated by amendment]
Fee Tables
6. Expenses
Appendix E –
Variable
Investment
Option Under
the Contract
Annual Fee
Minimum
Maximum
Base Contract
(1)
0.01%
0.01%
Investment Options
(2)
(Variable Investment Option fees and
expenses)
0.65%
0.65%
Optional Benefits Available for an Additional
Charge
(3)
(for a single optional benefit, if elected)
0.20%
0.20%
(1)
As a percentage of the Charge Base, plus an amount attributable to
                            the estimated contract maintenance
charge based on expected Contract sales.
(2)
An amount attributable to the estimated contract maintenance charge
                            based on expected Contract sales.
(3)
As a percentage of the Charge Base. This is the current charge for
                            the Maximum Anniversary Value Death
Benefit.
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FEES AND
                            EXPENSES
Prospectus
Location
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
.
[To be updated by amendment]
Lowest Annual Cost:
$1,753
Highest Annual Cost:
$1,987
Assumes:
•
Investment of $100,000 in the AZL
Government Money Market Fund (even
though you cannot select the fund for
investment)
•
5% annual appreciation
•
Traditional Death Benefit
•
No additional Purchase Payments,
transfers, or withdrawals
•
No financial adviser fees
Assumes:
•
Investment of $100,000 in the AZL
Government Money Market Fund (even
though you cannot select the fund for
investment)
•
5% annual appreciation
•
Maximum Anniversary Value Death
Benefit with a 0.20% rider fee
•
No additional Purchase Payments,
transfers, or withdrawals
•
No financial adviser fees
RISKS
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.
• Withdrawals may be subject to income taxes, including a 10%
                            additional federal tax that
may apply to withdrawals taken before age 59
1
∕
2
.
• 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 will apply. A withdrawal charge will
                            reduce your Contract
Value or the amount of money that you actually receive. Withdrawals
                            may reduce or end
Contract guarantees.
• Amounts invested in an Index Option must be held in the Index
                            Option for the full Term
before they can receive a Performance Credit. We apply a Daily
                            Adjustment if before the
Term End Date 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.
For more information see section 4, Valuing Your Contract - Daily
                            Adjustment; and
Appendix B – Daily Adjustment.
• 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.
Risk Factors
4. Valuing Your
Contract
10. Death Benefit
Appendix B –
Daily Adjustment
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 AZL Government Money
                            Market Fund and
the Index Options available under the Contract.
• The AZL Government Money Market Fund and each Index Option has its
                            own unique
risks.
• You should review the AZL Government Money Market Fund prospectus
                            and disclosures,
including risk factors, for each Index Option before making an
                            investment decision.
Risk Factors
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Variable Annuity Prospectus – May 1, 2023
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RISKS
Prospectus
Location
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/about/financial-ratings
, or contacting us at (800) 624-0197.
Risk Factors
RESTRICTIONS
Investments
• Certain Index Options may not be available under your Contract.
• You cannot allocate Purchase Payments to the AZL Government Money
                            Market Fund.
The sole purpose of the AZL Government Money Market Fund is to hold
                            Purchase
Payments until they are transferred to your selected Index Options.
• We restrict additional Purchase Payments during the Accumulation
                            Phase. Each Index
Year, you cannot add more than your initial amount (i.e., all
                            Purchase Payments received
before the first Quarterly Contract Anniversary of the first
                            Contract Year) without our prior
approval.
• We do not accept additional Purchase Payments during the Annuity
                            Phase.
• We typically only allow assets to move into the Index Options on
                            the Index Effective Date
and on subsequent Index Anniversaries as discussed in section 3,
                            Purchasing the
Contract – Allocation of Purchase Payments and Contract Value
                            Transfers. However, if
you execute a Performance Lock and request Early Reallocation, we
                            will move assets
into an Index Option on the Business Day we receive your Early
                            Reallocation request in
Good Order.
• You can typically transfer Index Option Value only on Term End
                            Dates. However, you can
transfer assets out of an Index Option Value before the Term End
                            Date by executing a
Performance Lock as discussed in section 4, Valuing Your Contract –
                            Performance Locks.
• We do not allow assets to move into an established Index Option
                            until the Term End Date.
If you request to allocate a Purchase Payment into an established
                            Index Option on an
Index Anniversary that is not a Term End Date, we will allocate
                            those assets to the same
Index Option with a new Term Start Date.
• We reserve the right to close or substitute the AZL Government
                            Money Market Fund. We
also reserve the right to close Index Options and substitute
                            Indexes. We also reserve the
right to decline any or all Purchase Payments at any time on a
                            nondiscriminatory basis.
Risk Factors
3. Purchasing the
Contract
4. Valuing Your
Contract
5. AZL
Government
Money Market
Fund
Appendix A –
Available Indexes
Optional
Benefits
• The optional Maximum Anniversary Value Death Benefit may not be
                            modified.
Withdrawals may reduce the Maximum Anniversary Value Death
                            Benefit's Guaranteed
Death Benefit Value by more than the value withdrawn and will end
                            the Maximum
Anniversary Value Death Benefit if the withdrawals reduce both the
                            Contract Value and
Guaranteed Death Benefit Value to zero.
10. Death Benefit
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
Allianz Index Advantage+ NF
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Variable Annuity Prospectus – May 1, 2023
12
CONFLICTS OF
                            INTEREST
Prospectus
Location
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
Allianz Index Advantage+ NF
SM
Variable Annuity Prospectus – May 1, 2023
13
Overview of the
                Contract
What Is the Purpose of the Contract?
The Index Advantage+ NF
SM
is a product that offers Index 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 Purchase Payments.
                Each Purchase Payment is 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., Index 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), or for an additional rider fee you may select the optional death benefit (the Maximum Anniversary Value Death Benefit) to replace the standard death
                benefit. Both death benefits help 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 not 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 Option's Term End Date).
We offer other annuity contracts that may address your investment and retirement needs. These contracts include 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 be available in all states, or may vary in your state (such as the free look). For
                more information see Appendix D - Material Contract Variations by State. 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.
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SM
Variable Annuity Prospectus – May 1, 2023
14
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 Index Options and the AZL Government Money Market Fund.
−
Index Options.
You may allocate your Purchase Payments to any or all of the Index Options available under your Contract. There are currently 26 Index Options based on different combinations of four credit calculation methods
(Crediting Methods)
, four nationally recognized third-party broad based equity securities price
                    return Indexes and an exchange-traded fund, and three Term periods for measuring Index performance. Each Index Option is the combination of an Index, a Crediting Method, a Term length, and any applicable Buffer or Floor amount.
Currently Available
Crediting Methods, Term
Lengths, and
Negative Index Performance
Protection
Currently
Available Indexes
Positive Index Performance
Participation Limit
Index Protection Strategy
with Trigger 1-year Term with
100% downside protection
• S&P 500
®
Index
• Russell 2000
®
Index
• Nasdaq-100
®
Index
• EURO STOXX 50
®
• iShares
®
MSCI Emerging Markets ETF
• 0.10% minimum Trigger Rate
Index Precision Strategy
1-year Term with 10% Buffer
• S&P 500
®
Index
• Russell 2000
®
Index
• Nasdaq-100
®
Index
• EURO STOXX 50
®
• iShares
®
MSCI Emerging Markets ETF
• 0.10% minimum Trigger Rate
Index Guard Strategy
1-year Term with -10% Floor
• S&P 500
®
Index
• Russell 2000
®
Index
• Nasdaq-100
®
Index
• EURO STOXX 50
®
• iShares
®
MSCI Emerging Markets ETF
• 0.10% minimum Cap
Index Performance Strategy
1-year Term with 10% Buffer
• S&P 500
®
Index
• Russell 2000
®
Index
• Nasdaq-100
®
Index
• EURO STOXX 50
®
• iShares
®
MSCI Emerging Markets ETF
• 0.10% minimum Cap
• Can be "uncapped" (i.e., we do not declare a
Cap for that Term)
Index Performance Strategy
3-year Term with 10% Buffer
• S&P 500
®
Index
• Russell 2000
®
Index
• 2% minimum Cap
• Can be uncapped
• 100% minimum Participation Rate
Index Performance Strategy
3-year Term with 20% Buffer
• S&P 500
®
Index
• Russell 2000
®
Index
• 2% minimum Cap
• Can be uncapped
• 100% minimum Participation Rate
Index Performance Strategy
6-year Term with 10% Buffer
• S&P 500
®
Index
• Russell 2000
®
Index
• 5% minimum Cap
• Can be uncapped
• 100% minimum Participation Rate
Your initial and renewal Trigger Rates, Caps, and Participation Rates 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
Allianz Index Advantage+ NF
SM
Variable Annuity Prospectus – May 1, 2023
15
Options Statement also includes the Index Values on the Term Start Date and Term End Date. We use these Index Values to determine
                Index Returns and Performance Credits.
More detailed information about the Index Options is included in section
4, Valuing Your Contract.
−
AZL Government Money Market Fund.
We hold your Purchase Payments in the AZL Government Money Market Fund until we transfer them to the Index Options in accordance with your instructions. You cannot choose to allocate Purchase Payments to
                    the AZL Government Money Market Fund. The AZL Government Money Market Fund is an underlying mutual fund with its own investment objective, strategies, and risks.
For more information, please see Appendix E - Variable Investment Option Under the Contract.
•
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 rider fee
                    (if applicable). 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, your selected 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 Term End Date. If you request to allocate a Purchase Payment into an established Index Option on an Index Anniversary that is not a Term End Date, we will allocate those assets to the same Index Option with a new
                    Term Start Date.
•
Death Benefits.
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)
. At the time of purchase, you may select the optional death
                    benefit
(the Maximum Anniversary Value Death Benefit)
to replace the standard
                    death benefit for an additional rider fee. Either death benefit is the greater of Contract Value, or the Guaranteed Death Benefit Value. Unlike the Traditional Death Benefit, however, the Maximum Anniversary Value Death Benefit locks in
                    any annual investment gains as part of the Guaranteed Death Benefit Value to potentially provide a death benefit greater than the Traditional Death Benefit (which is based on Purchase Payments). The Maximum Anniversary Value Death
                    Benefit cannot be less than the Traditional Death Benefit, but they can be equal.
•
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. In most states, the waiver of withdrawal charge benefit allows you to take a
                    withdrawal after the first Contract Year without incurring a withdrawal charge if you are confined for care for at least 90 days, or are unable to perform at least two activities of daily living. Also, if you own an 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.
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Variable Annuity Prospectus – May 1, 2023
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•
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 will 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
                    a 10% additional federal tax 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 rather than from other assets you may have.
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 based on the options you have elected. 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.
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
7%
3
6%
4
5%
5
4%
6 years or more
0%
Index Protection Strategy
with Trigger
Index Precision
Strategy
and
Index Performance
Strategy
Index
Guard
Strategy
Daily Adjustment Maximum Potential Loss
0%
99%
35%
(as a percentage of Index Option Value, applies for distributions
from an Index Option before any Term End Date)
(3)
(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)
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 a Term 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 20% Buffer, or -10%
                    Floor. The Daily Adjustment applies if before the Term End Date 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 AZL Government Money Market Fund fees and expenses). If you purchased the optional Maximum Anniversary Value Death Benefit, you pay additional charges, as shown below.
Allianz Index Advantage+ NF
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Annual Contract Expenses
Administrative Expenses (or contract maintenance charge)
(1)
(per year)
$50
Optional Benefit Expenses – Maximum Anniversary Value
                            Death Benefit
(as a percentage of the Charge Base)
0.20%
(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. During the Annuity Phase, we deduct the contract maintenance charge proportionately from each Annuity Payment. See the section 6, Expenses – Contract Maintenance Charge
                    (Administrative Expenses).
The next table shows the total operating expenses charged by the AZL Government Money Market Fund that you may pay
                periodically during the time that you own the Contract. More information about the AZL Government Money Market Fund, including its annual expenses, may be found in Appendix E – Variable Investment Option Under the Contract. The Index
                Options do not have operating expenses, and are therefore not included in the following table.
Annual Expenses of the AZL Government Money Market Fund
[To be updated by amendment]
(expenses that are deducted from the fund's assets, including management fees,
distribution and/or service (12b-1) fees, and other expenses)
0.65%
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. The Example is based on an investment solely in the AZL Government Money Market Fund even though you cannot allocate Purchase Payments directly to the fund. The costs include transaction expenses, annual
                Contract expenses, and annual expenses of the AZL Government Money Market Fund. 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 and that you elected the Maximum Anniversary Value Death Benefit. Although your actual costs may be higher or lower, based on these assumptions, your costs would be:
[To be updated by amendment]
1 Year
3 Years
5 Years
10 Years
(1) If you surrender your Contract (take a full withdrawal) at the end
of the applicable time period.
$11,334
$15,765
$20,065
$32,585
(2) If you annuitize your Contract at the end of the applicable time
period.
N/A*
$
8,765
$15,065
$32,585
(3) If you do not surrender your Contract.
$
2,834
$
8,765
$15,065
$32,585
*
The earliest available Annuity Date is the second Index Anniversary.
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 Index 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 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 will
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Variable Annuity Prospectus – May 1, 2023
18
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 Contract Value because the following reduce your Contract Value, but do not reduce your Withdrawal Charge Basis: deductions we make for prior Penalty-Free Withdrawals and
                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 Term on the Term End Date, rather than on a daily basis. In the
                interim, we calculate Index Option Values based on the Daily Adjustment. The AZL Government Money Market Fund is not subject to the Daily Adjustment. Any assets removed from an Index Option during the Term 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 Term End Date. These removed assets will not receive the full benefit of the Index Value, Index Return, and the 10% or 20% Buffer, or -10% Floor that would have been available on the Term End
                Date, and losses could exceed the protection offered by the 10% or 20% Buffer, or -10% Floor. You will receive a Performance Credit only on the Index Option Value remaining in an Index Option on the Term End Date.
You can typically transfer Index Option Value among the Index Options only on Term End Dates. 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. However, you can transfer assets out of an Index Option before the Term End Date by executing a Performance Lock. Once an Index Option is
                locked, you can transfer assets out of it on the Index Anniversary that occurs on or immediately after the Lock Date. For a 3-year or 6-year Term Index Option this means you can transfer out of the locked Index Option before the Term End
                Date by executing a Performance Lock on or before the second Index Anniversary of a 3-year Term, or on or before the fifth Index Anniversary of a 6-year Term. You can also transfer assets out of any locked Index Option before the Term End
                Date by requesting an Early Reallocation. You can only execute two Early Reallocations each Index Year, but each request can involve multiple locked Index Options. 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 Index Options and the AZL Government Money Market Fund 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 Index Options and the AZL Government Money Market Fund 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.
Index Option 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, EURO STOXX 50
®
and iShares
®
MSCI Emerging Markets ETF 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.
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SM
Variable Annuity Prospectus – May 1, 2023
19
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.
iShares
®
MSCI Emerging Markets ETF
. The iShares
®
MSCI Emerging Markets ETF seeks to
                track the investment results of the MSCI Emerging Markets Index, which is designed to measure equity market performance in the global emerging markets. The underlying index may include large-and mid-capitalization companies. iShares
®
MSCI Emerging Markets ETF is an exchange-traded fund. The performance of
                the iShares
®
MSCI Emerging Markets ETF may not replicate the
                performance of, and may underperform the underlying index. The price of the iShares
®
MSCI Emerging Markets ETF will reflect expenses and fees that will reduce its relative performance. Moreover, it is also possible that the iShares
®
MSCI Emerging Markets ETF may not fully replicate or may, in certain circumstances, diverge significantly from the
                performance of the underlying index. Additional information about iShares
®
MSCI Emerging Markets ETF is available on the SEC's website at
sec.gov
and copies of that
                information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: publicinfo@sec.gov. Please note that this information is not prepared by us and may be intended for shareholders of the
                ETF. You will not be a shareholder of the ETF by investing in an Index Option that is linked to the performance of the ETF. You may also request additional information about the ETF from our Service Center or your Financial Professional.
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 AZL Government Money Market Fund. If these
                            market conditions continue or reoccur, and
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. 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 Trigger Rates, Caps, and Participation Rates, 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
®
and iShares
®
MSCI Emerging
Markets ETF. 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.
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Risk of Negative Returns
The AZL Government Money Market Fund does not provide any protection against negative returns.
You can lose principal and previous earnings for Purchase Payments held in the AZL Government Money Market Fund and such losses could be significant.
If you allocate Purchase Payments or transfer Contract Value to an Index Option with the Index Precision Strategy, Index Guard
                Strategy, or Index Performance Strategy, negative Index Returns may cause Performance Credits to be either negative after application of the 10% or 20% Buffer, or negative down to the -10% Floor. For the Index Performance Strategy, we apply
                the Buffer for the entire Term length; we do not apply the Buffer annually on a 3-year or 6-year 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 with the Index Precision Strategy, Index Guard Strategy, or Index Performance Strategy, and such losses could be significant. If you allocate Purchase Payments or transfer Contract
                Value to the Index Options with the Index Protection Strategy with Trigger you can also lose principal and previous earnings if you do not receive the Performance Credit, or if the Contract fees and expenses are greater than the
                Performance Credit.
The maximum potential negative Performance Credit for the Index Performance Strategy and Index Precision Strategy is based on the
                Buffer. If the Buffer is 10% the maximum negative Performance Credit is -90%, and if the Buffer is 20% the maximum negative Performance Credit is -80%. The maximum potential negative Performance Credit for the Index Guard Strategy is the
                -10% Floor.
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.
The Daily Adjustment is how we calculate Index Option Values on Business Days other than the Term Start Date or Term End Date.
The AZL Government Money Market Fund is not subject to the Daily Adjustment.
The
                Daily Adjustment can affect the amounts available for withdrawal, Performance Locks, annuitization, payment of the death benefit, and the Contract Value used to determine the contract maintenance charge and Charge Base for the rider fee.
                The Daily Adjustment can be less than the Trigger Rate or Cap even if the current Index return during the Term is greater than the Trigger Rate or Cap. In addition, even though the current Index return during the Term may be positive, the
                Daily Adjustment may be negative due to changes in Proxy Value inputs, such as volatility, dividend yield, and interest rate. However, the Daily Adjustment for the Index Protection Strategy with Trigger cannot be negative. The Daily
                Adjustment is generally negatively affected by:
•
interest rate decreases,
•
dividend rate increases,
•
poor market performance, and
•
the expected volatility of Index prices. Increases in the expected volatility of Index prices
                    negatively affect the Index Precision Strategy and Index Performance Strategy with 1-year Terms, while decreases in the expected volatility of Index prices negatively affect the Index Guard Strategy. For the Index Performance Strategy
                    3-year and 6-year Term Index Options, the impact of changes in the expected volatility of Index prices is dependent on the market environment and the applicable Caps and Participation Rates. For the Index Protection Strategy with
                    Trigger, the impact of changes in the expected volatility of Index prices is dependent on the market environment.
The Daily Adjustment for Index Options with a Term length of more than 1-year (3-year and 6-year Term Index Options and Early
                Reallocation to a 1-year Term Index Option) may be more negatively impacted by changes in the expected volatility of Index prices than 1-year Term Index Options due to the difference in term length. Also, the risk of a negative Daily
                Adjustment is greater for Index Options with a Term length of more than 1-year than for 1-year Term Index Options due to the Term length. For shorter term lengths, there is less uncertainty in the final Index Values and the impact of the
                applicable Caps and Buffers on the Daily Adjustment is greater. Consequently, the impact of the Cap and Buffer on the Daily Adjustment for a 1-year Term Index Option is greater than it is for Index Options with a Term length of more than
                1-year. In addition, 3-year and 6-year Term Index Options with a Participation Rate above 100% may also have larger fluctuations in the Daily Adjustment than Index Options either without a Participation Rate, or with a Participation Rate
                equal to 100%.
If you take a withdrawal from an Index Option with the Index Precision Strategy, Index Guard Strategy, or Index Performance Strategy
                before the Term End Date,
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 Term Start Date
. If the current Index return during the Term is negative, the Daily Adjustment for these Index Options could result in losses greater than the protection provided by the 10% or 20% Buffer, or -10% Floor.
In extreme circumstances
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the Daily Adjustment could result in a loss beyond the protection of the Buffer or Floor, 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.
Risks Associated with Calculation of Performance Credits
We calculate Performance Credits each Term on the Term End Date. 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 Term. If you allocate Purchase Payments or transfer Contract Value to the Index
                Options with Index Protection Strategy with Trigger, positive returns are limited by the Trigger Rates. You are not subject, however, to potential negative Performance Credits. The Trigger Rates on the Index Options with Index Precision
                Strategy, and the Caps on the Index Options with Index Guard Strategy and Index Performance Strategy also limit positive returns and could cause performance to be lower than it would otherwise have been if you invested in a mutual fund or
                exchange-traded fund designed to track the performance of the applicable Index. For the Index Performance Strategy, we apply the Cap and any Participation Rate for the entire Term length; we do
not
apply the Cap and any Participation Rate annually on a 3-year or 6-year Term Index Option.
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:
[To be updated by amendment]
January 1, 2012 through December 31, 2022
S&P 500
®
Index
Nasdaq-100
®
Index
Russell 2000
®
Index
EURO
STOXX 50
®
iShares
®
MSCI
Emerging Markets ETF
Returns without dividends
14.84%
22.67%
12.57%
7.03%
3.79%
Returns with dividends
17.11%
24.05%
14.07%
10.88%
5.90%
Trigger Rates, Caps, and Participation Rates may be adjusted on the next Term Start Date and may vary significantly from Term to
                Term. Changes to Trigger Rates, Caps, and Participation Rates may significantly affect the amount of Performance Credit you receive. For more information, see the "Changes to Trigger Rates, Caps, and Participation Rates" discussion later in
                this section.
The Crediting Methods only capture Index Values on the Term Start Date and Term End Date, so you will bear the risk that the Index
                Value might be abnormally low on these days.
Risks Associated with Performance Locks and Early Reallocations
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 for a locked Index Option, and you will start a new Index Option on the next
                    Index Anniversary that occurs on or immediately after the Lock Date unless you execute an Early Reallocation.
•
You will not receive a Performance Credit on any locked Index Option.
•
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 Performance Lock, or if you set a lower target your locked Index Option
                    Value could be less than your selected target. 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 execute a Performance Lock on Index Protection Strategy with Trigger Index Options if
                    the Daily Adjustment is zero. This may limit your ability to take advantage of the benefits of the Early Reallocation feature.
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•
There are limits on Early Reallocations. We do not accept Early Reallocation requests within 14
                    calendar days before an Index Anniversary and you are limited to two Early Reallocation requests each Index Year. After your second Early Reallocation request in an Index Year, any locked Index Options will remain locked until the next
                    Index Anniversary. These limitations mean you may not be able to take advantage of any increases to Early Reallocation rates, or any advantageous changes to Index values that may become available at the optimal time. This may limit your
                    return potential.
•
Early Reallocation Trigger Rates, Caps, and Participation Rates you receive may be less than the
                    Early Reallocation rates that become available later in the Index Year, or the renewal rates available on the next Index Anniversary. This may limit your return potential.
We will not provide advice or notify
                            you regarding whether you should execute a Performance Lock or Early
Reallocation or the optimal time for
                            doing so. We will not warn you if you execute a Performance Lock or Early
Reallocation at a sub-optimal time.
                            We are not responsible for any losses related to your decision whether or not to
execute a Performance Lock or Early
                            Reallocation.
Substitution of an Index and Limitation on Further Investments
There is no guarantee that the Indexes will be available during the entire time that you own your Contract. Once we add an Index to
                your Contract, we cannot remove it without simultaneously substituting it. For the Index Options, 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,
•
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, or
•
we determine in our sole discretion that the substitution is necessary. It is our policy that we
                    will exercise this discretion only to respond as we deem necessary to unanticipated events outside of our direct control. This might include other events similar to those listed above, other changes to the Index (such as name or
                    ownership changes) that legally may be considered a substitution or that do not align with our business strategy or values, or a breach by the Index provider of the Index intent or performance expectations.
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. Index substitutions can occur either on a Term Start Date or during a Term. If we substitute an Index during a Term we will combine
                the return of the previously available substituted Index from the Term Start Date to the substitution date with the return of the new Index from the substitution date to the Term End Date. If we substitute an Index during a Term:
•
we do
not
change the Charge Base we use to calculate the rider fee, and
•
the Buffers, Floors, Trigger Rates, Caps, and Participation Rates for the substituted Index will
                    apply to the new Index. We do
not
change the Buffers,
                    Floors, Trigger Rates, Caps, or Participation Rates that were in effect on the Term Start Date.
Changes to Trigger Rates, Caps, and Participation Rates associated with the new Index, if any, may occur at the next regularly
                scheduled Term Start Date. Depending on the constitution of the substituted 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
                Trigger Rates, Caps, and Participation Rates associated with the new Index. However, we would not implement any change to reflect this difference until the next Term Start Date after the substitution. The substitution of an Index during a
                Term 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 substitute any equity Index with a broad-based equity index.
We may also discontinue accepting new allocations into a specific Index Option at any time.
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Changes to Trigger Rates, Caps, and Participation Rates
The 10% and 20% Buffers, and -10% Floors 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 or Floor for it on the date we add the Index Option to your Contract. For a new Index Option the minimum Buffer is 5% and the minimum Floor is -25%.
We establish the initial Trigger Rates, Caps, and Participation Rates for a newly issued Contract on the Index Effective Date and
                they cannot change until the next Term Start Date. 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, initial Trigger Rates, Caps, and Participation Rates could change every
                seven calendar days. However, these rates are guaranteed to be available during the period stated on our website at
allianzlife.com/RILAratesnf
and cannot be superseded until that period ends. If you select an Index Effective Date that is within the guaranteed period for the initial rates that are available
                for review on the Issue Date, you will receive the initial rates that were available on the Issue Date. However, if you select an Index Effective Date that is after this guaranteed period, you are subject to the risk that initial Trigger
                Rates, Caps, and Participation Rates may change and be less advantageous to you. You are responsible for reviewing the initial rates before your Index Effective Date to ensure your allocations and the product still meet your needs.
                Furthermore, if your Index Effective Date is after the end of the free look period and you cancel the Contract, you will receive the Cash Value. On or before the Index Effective Date you are
not
subject to the Daily Adjustment. You may review future rates at least seven calendar
                days before their effectiveness at
allianzlife.com/RILAratesnf
. 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 Trigger Rates, Caps, and Participation Rates for an existing Contract on each new Term Start Date subject
                to the guaranteed minimums, in our discretion.
We will send you a letter at least 30 days before each Index Anniversary. This letter advises you that current Trigger Rates, Caps,
                and Participation Rates are expiring, and that renewal rates for the next Term Start Date will be available for your review. The Index Anniversary letter also reminds you of your opportunity to transfer your Index Option Values on the
                upcoming Term End Date. On each Term End Date you have the option of remaining allocated to your current Index Options at the renewal Trigger Rates, Caps, and Participation Rates that we set on the next Term Start Date, or transferring to
                another permitted Index Option. At least seven calendar days before each Index Anniversary we publish renewal rates for the next Term Start Date for your review in your account on our website, and on our public website at
allianzlife.com/RILAratesnf
. If you do not review renewal change information when it is published, or take no action to
                transfer to another permitted Index Option, you will remain allocated to your current Index Options and will automatically become subject to the renewal Trigger Rates, Caps, and Participation Rates until the next Term End Date.
You risk the possibility that the renewal Trigger Rates, Caps, and Participation Rates 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 Term End Date (or the next Business Day if the Term End Date is a non-Business Day) or you
                will be subject to these renewal Trigger Rates, Caps, and Participation Rates for the next Term. 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).
If you execute a Performance Lock you may be able to request an Early Reallocation and begin a new Index Option with a new Term Start
                Date and a new Trigger Rate, Cap, or Participation Rate before the next Index Anniversary. We can change Early Reallocation Trigger Rates, Caps, and Participation Rates for an existing Contract subject to the guaranteed minimums, in our
                discretion. We publish Early Reallocation rates at least seven calendar days before the end of the current Early Reallocation offering period for your review in your account on our website. If you do not execute an Early Reallocation, you
                will remain allocated to your current locked Index Options until the Index Anniversary that occurs on or immediately after the Lock Date.
Initial, renewal, and Early Reallocation Trigger Rates, Caps, and Participation Rates 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, renewal, and Early Reallocation Trigger Rates, Caps, and Participation Rates 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 Trigger Rates, Caps, and Participation Rates. Interest rates could increase. In a rising interest rate environment, increases in Trigger Rates, Caps, and
                Participation Rates, 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 and Early Reallocation Trigger Rates, Caps, and Participation Rates to reflect these cost
                changes. The primary factor affecting the differences in the initial Trigger Rates, Caps, and Participation Rates for newly issued Contracts and renewal and Early Reallocation 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 initial, renewal, and Early
                Reallocation Trigger Rates, Caps, and Participation Rates, or we may need to substitute an Index. You bear the risk that we may reduce Trigger Rates, Caps, and Participation Rates, 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 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.
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 Trigger
                Rates, Caps, and Participation Rates 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. Once authorized by you, 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 will 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 a 10% additional federal tax 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 rather than from other assets you may have.
Our Financial Strength and Claims-Paying Ability
We make Annuity Payments, and pay death benefits 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. We apply Performance Credits from an unregistered, non-unitized, non-insulated separate account (
Separate Account IANA
). Like our general account, the assets in Separate Account IANA are subject to
                our general business operation liabilities and the claims of our creditors, and are also subject to our financial strength and claims-paying ability. For more information on Separate Account IANA, see section 12, Other Information – Our
                Unregistered Separate Account.
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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'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 – Business
and Operational Risks Relevant to the Contract.
Regulatory Protections
Allianz Life 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 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 each state in which the Contract is offered. 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), where you make payments to
                us and we invest that money in the Index Options you select. The AZL Government Money Market Fund holds the money you invest before it is transferred to the Index Options. Depending on market conditions, your Contract may gain or lose value
                based on the returns of your selected Index Options and the AZL Government Money Market Fund. 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 Index Options you select and the AZL Government Money
                Market Fund 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). You can also make additional Purchase
                Payments subject to the restrictions set out in section 3, Purchase Requirements. The Contract also offers at issue the optional Maximum Anniversary Value Death Benefit for an additional rider fee (see section 10) if all Owners and the
                Annuitant are age 75 or younger on the Issue Date. The Maximum Anniversary Value Death Benefit can only be added to a Contract at issue. The Maximum Anniversary Value Death Benefit potentially provides a death benefit greater than the
                Traditional Death Benefit based on the Maximum Anniversary Value (highest Contract Value on any Index Anniversary before age 91, increased by the dollar amount of subsequent Purchase Payments, and reduced proportionately for subsequent
                withdrawals you take including any withdrawal charge).
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
                guaranteed period, life, life with a guaranteed period, joint and last survivor, or joint and 2/3 survivor. 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.
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When the Accumulation Phase Ends
The Accumulation Phase ends upon the earliest of the following.
•
The Business Day we process your request for a full withdrawal.
•
The Business Day before the Annuity Date.
•
Upon the death of any Owner (or the Annuitant if the Owner is a non-individual), the Business Day
                    we first receive 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
                    Index Options and the AZL Government Money Market Fund 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.
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 and 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.
Once authorized by you, 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 Index Option and the AZL Government Money Market Fund. 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 any type of IRA Contract (including IRA, Roth IRA, and SEP IRA) 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 rather than from 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 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 Index
                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
                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.
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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 available 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 Term End Dates to pay financial adviser fees starting
                when the Contract Value is $100,000, the Guaranteed Death Benefit Value under the Traditional Death Benefit is $90,000, and the Guaranteed Death Benefit Value under the Maximum Anniversary Value Death Benefit is $105,000. The first
                withdrawal assumes that there is no amount remaining under the free withdrawal privilege for that year, so that withdrawal is subject to an 8.5% withdrawal charge. Subsequent withdrawals are all taken under the free 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
Guaranteed Death Benefit
Value for a Contract with the
Traditional Death Benefit
Guaranteed Death Benefit Value
for a Contract with the
Maximum Anniversary Value
Death Benefit
Prior to 1
st
years withdrawal
$ 100,000
$ 90,000
$ 105,000
$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]
– [($5,465 ÷ 100,000) x 105,000]
= - $4,919
= - $5,739
After 1
st
years withdrawal
$ 94,535
$ 85,081
$ 99,261
Prior to 2
nd
years withdrawal
$ 97,000
$ 85,081
$ 99,261
$5,000 withdrawal (not subject to a
withdrawal charge)
– $5,000
– [($5,000 ÷ 97,000) x 85,081]
– [($5,000 ÷ 97,000) x 99,261]
= - $4,386
= - $5,117
After 2
nd
years withdrawal
$ 92,000
$ 80,695
$ 94,414
Prior to 3
rd
years withdrawal
$ 80,0000
$ 80,695
$ 94,414
$5,000 withdrawal (not subject to a
– $5,000
– [($5,000 ÷ 80,000) x 80,695]
– [($5,000 ÷ 80,000) x 94,414]
withdrawal charge)
= - $5,044
= - $5,844
After 3
rd
years withdrawal
$ 75,000
$ 75,651
$ 88,260
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 under the Traditional Death Benefit, or the $99,261 Guaranteed Death
                    Benefit Value under the Maximum Anniversary Value Death Benefit after the first adviser fee deduction.
•
$92,000 Contract Value under the Traditional Death Benefit, or the $94,414 Guaranteed Death
                    Benefit Value under the Maximum Anniversary Value Death Benefit after the second adviser fee deduction.
•
$75,651 Guaranteed Death Benefit Value under the Traditional Death Benefit, or the $88,260
                    Guaranteed Death Benefit Value under the Maximum Anniversary Value Death Benefit after the third adviser fee deduction.
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 Cash 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)
. Joint Owners must be spouses within the meaning of federal tax law. 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
.
UPON THE DEATH OF A SOLE OWNER
Action if the Contract is in the Accumulation Phase
Action if the Contract is in the Annuity 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, 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 or Maximum Anniversary Value Death
Benefit are not available and the Beneficiary(s) receives the
Contract Value.
• 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 A or C, payments end when the
guaranteed period ends.
–
Annuity Option B, F, or G, payments end.
–
For more information on the 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 or Maximum Anniversary Value 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,
•
you add or change a Joint Owner, then that person will become a Determining Life if they are the
                    current spouse within the meaning of federal tax law of an existing Owner, or
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•
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 within 120 hours of each other, that Beneficiary's interest in this Contract ends unless
                your Beneficiary designation specifies otherwise. If there are no surviving primary Beneficiaries, we pay the death benefit to the contingent Beneficiaries who survive you. 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 within
                            120 hours of each other, 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.
•
NAMING AN ESTATE AS A BENEFICIARY:
If an estate is the
                            Beneficiary, the estate must be the sole primary
Beneficiary, unless the Spouse is the sole primary Beneficiary. If the
                            Spouse is the sole primary Beneficiary, then an
estate can be a contingent beneficiary.
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, we may allow you to name a charitable trust, financial institution, qualified plan, or an individual specified in a court order as a Payee subject to our approval. For
                Qualified Contracts owned by a qualified plan, the qualified plan must be the Payee.
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. We will not consent if the assignment would violate or result in noncompliance with any applicable state or federal law or regulation.
We record the assignment as of the date you signed the request, unless you specify otherwise. 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, replacing Joint Owners with a Trust, or adding
                            a Joint Owner if that person is a spouse within the
meaning of federal tax law of the existing Owner.
3.
Purchasing the Contract
Purchase Requirements
To purchase this Contract, on the Issue Date all Owners and the Annuitant must be:
•
age 85 or younger, or
•
age 75 or younger if you select the Maximum Anniversary Value Death Benefit.
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The Purchase Payment requirements for this Contract are as follows.
•
The minimum initial Purchase Payment due on the Issue Date is $10,000.
•
We restrict additional Purchase Payments.
Each Index Year during the Accumulation Phase you cannot add more than your initial amount without our prior approval. Your initial amount is all Purchase Payments received before the first Quarterly
                    Contract Anniversary of the first Contract Year. We allow you to add up to the initial amount in the remainder of the first Index Year. The minimum additional Purchase Payment we will accept is $50.
•
We do not accept additional Purchase Payments on or after the Annuity Date.
•
The maximum total Purchase Payments we accept without our prior approval 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 the AZL Government Money Market Fund before we transfer it to your selected Index Options. If the Issue Date is the same as the Index Effective Date we allocate your initial
                Purchase Payment to the Index Options. If the Issue Date is not the Index Effective Date we hold your initial Purchase Payment 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 may terminate your ability to make additional Purchase Payments because we reserve the right to decline any
                or all Purchase Payments at any time on a nondiscriminatory basis
. This applies to Contracts issued in all states except as disclosed in Appendix D. If mandated under
                applicable law, we may be required to reject a Purchase Payment. We will decline a Purchase Payment we receive on the same Business Day that we receive in Good Order a request for full withdrawal, or Contract cancellation during the free
                look period.
If we exercise our right to decline additional Purchase Payments, this may limit your ability to fund your Contract's guaranteed benefits
                such as the Traditional Death Benefit or Maximum Anniversary Value Death Benefit.
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.
                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 default allocation instructions. We use these
                allocation instructions for all Purchase Payments we receive unless you change them.
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 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 most recent allocation instructions. For additional Purchase Payments we receive after the Index
                Effective Date, this transfer occurs on the next Index Anniversary. We apply any Purchase Payments 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 Index Option Value transfers between Index Options on Term End Dates unless you
                execute a Performance Lock. If you execute a Performance Lock you can transfer out of a locked Index Option to another Index Option on the Index Anniversary that occurs on or immediately after the Lock Date, or on the Business Day we
                execute your request for an Early Reallocation. We do not allow assets to move into an established Index Option until the Term
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End Date. If you request to transfer into an established Index Option on a date that is not a Term End Date, we
                will transfer those assets into the same Index Option with a new Term Start Date.
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, initial Trigger Rates, Caps, and Participation Rates could change every seven
                calendar days. However, these rates are guaranteed to be available during the period stated on our website at
allianzlife.com/RILAratesnf
and cannot be superseded until that period ends. If you select an Index Effective Date that is within the guaranteed period for the initial rates that are available
                for review on the Issue Date, you will receive the initial rates that were available on the Issue Date. However, if you select an Index Effective Date that is after this guaranteed period, you are subject to the risk that initial Trigger
                Rates, Caps, and Participation Rates may change and be less advantageous to you. Furthermore, if your Index Effective Date is after the end of the free look period and you cancel your Contract, you will receive the Cash Value. On or before
                the Index Effective Date you are
not
subject
                to the Daily Adjustment.
You may review future rates at least
                seven calendar days before their effectiveness at
allianzlife.com/RILAratesnf
. 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 allocation 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 allocation instructions from any Owner unless you instruct otherwise. We may allow you to authorize someone else to change these allocation instructions on your behalf.
Changes to your allocation instructions will transfer existing Index Option Values on the Term End Date
.
We notify you at least 30 days in advance of each Index Anniversary as a reminder that on the upcoming anniversary you may transfer
                Index Option Value between Index Options.
You request transfers between Index Options by changing your allocation instructions.
For more information, see the "Electronic Allocation Instructions" discussion next in this section. On each Term End Date, if we have not received allocation instruction changes from
                you all assets invested continue to be invested in the same Index Options with a new Term Start Date at the renewal Trigger Rates, Caps, and Participation Rates.
We can add new Crediting Methods, Terms, 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 or Floor after it is established. For a new Index Option the minimum Buffer is 5% and the minimum Floor is -25%. However, we can change the renewal Trigger Rates, Caps, and Participation
                Rates associated with any Index Option on each Term Start Date, and Early Reallocation rates, subject to the guaranteed minimums.
We must receive all Index Option allocation instruction changes (which will transfer your Index Option Values) in Good Order at our
                Service Center before the end of the Business Day on the Term End Date (or the next Business Day if the Term End Date is a non-Business Day).
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•
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).
•
Purchase Payments we hold in the AZL Government Money Market before transferring them to your selected
Index Options are subject to Contract
                            fees and expenses (e.g. contract maintenance charge), and
market risk and
may lose value.
Electronic Allocation Instructions
We use reasonable procedures to confirm that electronic 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 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 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.
Free Look/Right To Examine Period
If you change your mind about the Contract, you can cancel it within the free look period stated on the first page of your
                Contract. In most states, this is ten calendar days after you receive the Contract. If you cancel your Contract during the free look period, in most states 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. In states that require us to return Purchase Payments less withdrawals if you cancel your Contract, we return Contract Value if greater.
IRA Contracts require us to return Purchase Payments less withdrawals. If you cancel your IRA Contract, we return the greater of
                Purchase Payments less withdrawals or Contract Value.
If your cancellation request occurs after the Index Effective Date, your Contract Value will include the Daily Adjustment.
Some states and certain IRA Contracts require return of Purchase Payments. For these Contracts, we reserve the right to hold your
                initial Purchase Payment in the AZL Government Money Market Fund until the free look period ends, and then re-allocate your Contract Value, 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. Currently we only exercise this right on certain
                Contracts issued in California as noted in Appendix D. If we hold your initial Purchase Payment in the AZL Government Money Market Fund during the free look period and the requested Index Effective Date would occur during this time, we
                change your Index Effective Date to the next Business Day after the free look period that is not the 29th, 30th or 31st of the month. Then, if you:
•
cancel your Contract during this time, we return the greater of Purchase Payments less
                    withdrawals, or Contract Value. 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.
•
do not cancel your Contract during this time, we re-allocate your Contract Value to the Index
                    Options according to your Purchase Payment default instructions on the Index Effective Date.
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 make additional Purchase Payments and we hold them in
the AZL Government Money Market Fund before transferring
them to your selected Index Options, or
• there is positive AZL Government Money Market Fund
performance
• we take assets out of the AZL Government Money Market
Fund for withdrawals (including financial adviser fees that you
choose to have us pay from this Contract) or transfers to your
selected Index Options,
• there is negative AZL Government Money Market Fund
performance, or
• we deduct Contract fees and expenses
Contract fees and
                            expenses we deduct from the AZL Government Money Market Fund include the rider 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.
The AZL Government Money Market Fund does not provide any protection against loss of principal.
You can lose principal and previous earnings for Purchase Payments held in the AZL Government Money Market Fund
.
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 rider 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 Term End Dates. 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 Term Start Date or the Term End Date.
Performance Credits are subject to the applicable Buffer, Floor, Trigger Rate, Cap, and/or Participation Rate
. 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 20%
                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 for the 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, one of which invests exclusively in the shares of the AZL Government Money Market Fund.
We convert Purchase Payments held in the AZL Government Money Market Fund into subaccount accumulation units. The subaccount's
                daily price (accumulation unit value) is based on the AZL Government Money Market Fund's price. The AZL Government Money Market Fund's price is typically determined at the end of each Business Day,
and any Purchase
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Payment received at or after the end of the current Business Day receives the next Business Day's price
. The AZL Government Money Market Fund's price reflects deduction of its operating expenses.
We calculate your Variable Account Value at the end of each Business Day by multiplying the subaccount's accumulation unit value by
                its number of accumulation units.
On the Issue Date, the number of accumulation units in the 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 we add Purchase Payments to the AZL Government Money Market Fund, and
•
decrease
when assets are removed from the AZL Government Money Market Fund 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 the subaccount. At the end of each Business Day, we determine the new
                accumulation unit value for the subaccount by multiplying the prior Business Day's accumulation unit value by the AZL Government Money Market Fund's percentage change in price since the prior Business Day. The percentage change in price
                includes the AZL Government Money Market Fund'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 the AZL Government Money Market Fund.
•
We then divide $3,000 by $13.25 and credit your Contract that night with 226.415094 subaccount
                    accumulation units for the AZL Government Money Market Fund.
How the Crediting Methods Work
The
Index Protection Strategy with Trigger
provides a Performance Credit equal to the Trigger Rate if the Index Value on the Term End Date is equal to or greater than the Index Value on the Term Start Date, regardless of the
                amount of actual Index Return. If the current Index Value is less than it was on the Term Start Date, the Performance Credit is zero.
The
Index Precision Strategy
provides a Performance Credit.
•
If the Index Value on the Term End Date is equal to or greater than the Index Value on the Term
                    Start Date, regardless of the amount of actual Index Return, the Performance Credit is equal to the Trigger Rate.
•
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.
The
Index Guard Strategy
also provides a Performance Credit.
•
If the Index Return is positive, the Performance Credit is equal to the Index Return up to the
                    Cap.
•
If the Index Value on the Term End Date is equal to the Index Value on the Term Start Date, the
                    Performance Credit is zero.
•
If the Index Return is negative, the negative Performance Credit is equal to the negative Index
                    Return down to the -10% Floor. You participate in any losses down to the -10% Floor. We absorb any negative Index Return beyond the -10% Floor.
The
Index Performance Strategy
also provides a Performance Credit.
•
If the Index Return is positive, the Performance Credit is equal to:
−
the Index Return up to the Cap for a 1-year Term. If the 1-year Term is uncapped, the Performance
                    Credit is equal to the Index Return.
−
Index Return multiplied by the Participation Rate, up to the Cap for a 3-year or 6-year Term. If
                    the 3-year or 6-year Term is uncapped, the Performance Credit is equal to the Index Return multiplied by the Participation Rate. We apply the Participation Rate and Cap for the entire Term length; we do
not
apply the Participation Rate and Cap annually on a 3-year or 6-year Term.
•
If the Index Value on the Term End Date is equal to the Index Value on the Term Start Date, the
                    Performance Credit is zero.
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•
If the Index Return is negative and the loss is:
−
less than or equal to the 10% or 20% Buffer, the Performance Credit is zero. We absorb any loss
                    up to the 10% or 20% Buffer. We apply the Buffer for the entire Term length; we do
not
apply the Buffer annually on a 3-year or 6-year Term Index Option.
−
greater than the 10% or 20% Buffer, the negative Performance Credit is equal to the negative
                    Index Return in excess of the 10% or 20% Buffer. You participate in any losses beyond the 10% or 20% Buffer.
•
The Index Precision Strategy, Index Guard 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 Term.
•
If a
an Index Performance Strategy Index Option is
                            "uncapped" for one Term (i.e., we do not declare a Cap
for that Term) it does not mean that we will not
                            declare a Cap for it on future Term Start Dates.
On the next
Term Start Date we can declare a Cap for the next Term, or declare it to
                            be uncapped.
Comparing Crediting Methods
The Crediting Methods have different risk and return potentials.
What is the asset protection?
Index Protection
Strategy with Trigger
• Most protection.
• If the Index loses value, the Performance Credit is zero. You do not
                            receive a negative Performance
Credit.
Index Precision Strategy
• Less protection than the Index Protection Strategy with Trigger and
                            Index Guard Strategy. Protection
may be equal to or less than what is available with the Index
                            Performance Strategy depending on the
Index Option.
• Buffer absorbs 10% of loss, but you receive a negative Performance
                            Credit for losses greater than
10%.
• Potential for large losses in any Term.
• 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 Precision Strategy than with the Index Guard
                            Strategy.
Index Guard Strategy
• Less protection than the Index Protection Strategy with Trigger, but
                            more than Index Precision
Strategy and Index Performance Strategy.
• Permits a negative Performance Credit down to the -10% Floor.
• Protection from significant losses.
• More sensitive to smaller negative market movements that persist over
                            time because the -10% Floor
reduces the impact of large negative market movements.
• In an extended period of smaller negative market returns, the risk of
                            loss is greater with the Index
Guard Strategy than with the Index Performance Strategy and Index
                            Precision Strategy.
• Provides certainty regarding the maximum loss in any Term.
Index Performance
Strategy
• Less protection than the Index Protection Strategy with Trigger and
                            Index Guard Strategy. 3-year
Term Index Options with 20% Buffer have more protection than what is
                            available with the Index
Precision Strategy.
• Buffer absorbs 10% or 20% of loss depending on the Index Option you
                            select, but you receive a
negative Performance Credit for losses greater than the Buffer.
• Potential for large losses in any Term.
• More sensitive to large negative market movements because small
                            negative market movements are
absorbed by the Buffer. In a period of extreme negative market
                            performance, the risk of loss is greater
with the Index Performance Strategy than with the Index Guard
                            Strategy.
• In extended periods of moderate to large negative market performance,
                            3-year and 6-year Terms may
provide less protection than the 1-year Terms because, in part, the
                            Buffer is applied over a longer
period of time.
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What is the growth opportunity?
Index Protection
Strategy with Trigger
• Growth opportunity limited by the Trigger Rates.
• Least growth opportunity.
• May perform best in periods of small positive market movements.
• These Trigger Rates will generally be less than Caps and the Index
                            Precision Strategy Trigger Rates.
Index Precision Strategy
• Growth opportunity limited by the Trigger Rates.
• May perform best in periods of small positive market movements.
• Generally more growth opportunity than the Index Protection Strategy
                            with Trigger, but less than the
Index Performance Strategy.
• Growth opportunity may be more or less than the Index Guard Strategy
                            depending on Trigger Rates
and Caps.
Index Guard Strategy
• Growth opportunity limited by the Caps.
• May perform best in a strong market.
• Growth opportunity that generally may be matched or exceeded only by
                            the Index Performance
Strategy. However, growth opportunity may be more or less than the
                            Index Precision Strategy or
Index Performance Strategy depending on Trigger Rates and Caps.
Index Performance
Strategy
• Growth opportunity limited by the Caps and/or Participation Rates.
If we do not declare a Cap for a
3-year or 6-year Term Index Option
                            there is no maximum limit on the positive Index Return for
that Index Option. In addition, you
                            can receive more than the positive Index Return if the
Participation Rate applies and is
                            greater than its 100% minimum. However, the Participation
Rate cannot boost Index Returns
                            beyond a declared Cap.
• May perform best in a strong market.
• Generally the most growth opportunity. However, growth opportunity
                            may be less than the Index
Precision Strategy or Index Guard Strategy depending on Trigger Rates,
                            Caps, and/or Participation
Rates.
What can change within a Crediting Method?
Index Protection
Strategy with Trigger
• Renewal and Early Reallocation Trigger Rates for existing Contracts
                            can change on each Term Start
Date.
– 1-year Term has a 0.10% minimum Trigger Rate.
Index Precision Strategy
• Renewal and Early Reallocation Trigger Rates for existing Contracts
                            can change on each Term Start
Date.
– 1-year Term has a 0.10% minimum Trigger Rate.
• 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. The minimum Buffer is 5% for a new
                            Index Option.
Index Guard Strategy
• Renewal and Early Reallocation Caps for existing Contracts can change
                            on each Term Start Date.
– 1-year Term has a 0.10% minimum Cap.
• The -10% Floors 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
                            Floor for it on the date we add the
Index Option to your Contract. The minimum Floor is -25% for a new
                            Index Option.
Index Performance
Strategy
• Renewal and Early Reallocation Caps and/or Participation Rates for
                            existing Contracts can change on
each Term Start Date.
– 1-year Term with 10% Buffer has a 0.10% minimum Cap.
– 3-year Term with 10% or 20% Buffer has a 2% minimum Cap, and 100%
                            minimum Participation Rate.
– 6-year Term with 10% Buffer has a 5% minimum Cap, and 100% minimum
                            Participation Rate.
• The 10% or 20% 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. The minimum Buffer is 5% for a
                            new Index Option.
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•
For any Index Option with the
Index Precision Strategy or Index Performance Strategy,
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. However, for any
Index Option with the
Index Guard Strategy
,
we absorb any negative Index Return in excess of the -10% Floor, so
your maximum loss is limited to
                            -10% of the Index Option Value due to negative Index Returns.
• Trigger Rates, Caps, and Participation Rates 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 Trigger Rates, Caps, and Participation
Rates will be reduced to their
                            respective minimums of 0.10%, 2%, 5%, or 100% as stated in the table above.
• If your Contract is within its free look period you may be able to
                            take advantage of any increase in initial Trigger
Rates, Caps, and/or Participation Rates by cancelling your Contract
                            and purchasing a new Contract.
• If the initial Trigger Rates, Caps, and/or Participation Rates
                            available on the Index Effective Date are not acceptable
you have the following options.
– Cancel your Contract if you are still within the free look period. If
                            you took a withdrawal that was subject to a
withdrawal charge (including financial adviser fees that you choose to
                            have us pay from this Contract) we will refund
any previously deducted withdrawal charge upon a free look cancellation.
– Request to extend your Index Effective Date if you have not reached
                            your first Quarterly Contract Anniversary.
– If the free look period has expired, request a full withdrawal and
                            receive the Cash Value. If this occurs
on or before
the Index Effective Date, you are
not
subject to the Daily Adjustment. If this occurs
after
the Index Effective Date,
you
are
subject to the Daily Adjustment.
•
Trigger Rates, Caps, and Participation Rates can be different from Index Option to Index Option.
For example,
Caps for the Index Performance Strategy 1-year Terms 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 1-year, 3-year, and 6-year Terms on
the Index Performance Strategy, and between the 1-year Terms for the
                            Index Guard Strategy and Index Performance
Strategy.
Initial, renewal, and Early Reallocation rates may also be different from Contract-to-Contract.
For
example, assume that on August 3, 2023 we set Caps for the Index
                            Performance Strategy 1-year Term with 10% Buffer
using the S&P 500
®
Index as
                            follows:
– 13% initial rate and 12% Early Reallocation rate for new Contracts
                            issued in 2023,
– 14% renewal rate and 14% Early Reallocation rate for existing
                            Contracts issued in 2022, and
– 12% renewal rate and 13% Early Reallocation rate for existing
                            Contracts issued in 2021.
Bar Chart Examples of Crediting Method Performance
The following hypothetical examples show conceptually how the Crediting Methods might work in different market environments and
                assume no change in the hypothetical Trigger Rates, Caps, and/or Participation Rates. All values below are for illustrative purposes only. The examples do not reflect any Trigger Rates, Caps, and/or Participation Rates that may actually
                apply to a Contract. The examples do not predict or project the actual performance of the Index Advantage+ NF
SM
. 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 Term End Date (including any financial adviser fees that you choose to have us pay from this Contract), or deductions we make for Contract fees and expenses.
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[To be updated by amendment]
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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 Term Start Date or the Term End Date. The Daily Adjustment can be positive or negative and is discussed later
                in this section.
On the first Term Start 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 the Term End Date, or
•
a Performance Credit if this is the Term End Date.
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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 (including financial adviser fees that you choose to have us pay from this Contract and any withdrawal charge), and deductions we make for Contract fees and expenses.
•
Additional Purchase Payments received on the Term End Date 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.
•
Partial withdrawals you take (including financial adviser fees that you choose to have us pay from
                    this Contract and 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 (including financial adviser fees that you choose to have
                    us pay from this Contract and 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.
−
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 Term 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 Term End Date
. However, the remaining amount
in the Index Options is eligible for a Performance Credit on the Term
                            End Date.
•
You cannot specify from which Index Option or the AZL Government Money Market Fund (if applicable) we deduct
Contract fees and expenses; we deduct Contract fees and expenses from
                            each Index Option and the AZL Government
Money Market Fund proportionately based on its percentage of Contract
                            Value.
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Calculating Performance Credits
We base Performance Credits on Index Values and Index Returns. We measure Index Values on the Term Start Date and Term End Date
                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 Term Start Date or Term End Date 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 adjustment.
Because we calculate Index Returns only on Term End Dates, the Index Return does not
                necessarily reflect the highest or lowest Index Values that occurred during the Term.
Crediting Method
and Term Length
If Index Value is less than it was on
                            the
Term Start Date
(i.e., Index Return is negative):
If Index Value is equal to or greater
                            than it was
on the Term Start Date
(i.e., Index Return is zero or positive):
Index Protection
Strategy with Trigger
1-year Term
Performance Credit is zero
Performance Credit is equal to the Trigger Rate set
on the Term Start Date
Index Precision
Strategy 1-year Term
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 Trigger Rate set
on the Term Start Date
Index Guard Strategy
1-year Term
Performance Credit is equal to the negative Index
Return subject to the -10% Floor
If the Index Return is…
• -8%, the Performance Credit is -8%.
• -12%, the Performance Credit is -10%.
Performance Credit is equal to the Index Return up
to the Cap set on the Term Start Date
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%.
Index Performance
Strategy 1-year Term
Performance Credit is equal to the negative Index
Return in excess of the 10% Buffer.
If the Index Return for the year is…
• -8%, the Performance Credit is zero.
• -12%, the Performance Credit is -2%.
Performance Credit is equal to the Index Return up
to any Cap set on the Term Start Date
Assume the Cap for the 1-year Term is 8%. If the
Index Return for the year is…
• 0%, the Performance Credit is zero.
• 6%, the Performance Credit is 6%.
• 12%, the Performance Credit is 8%.
If instead the
1-year Term were uncapped, the
                            Performance
Credit is 12%
.
Index Performance
Strategy 3-year Term
Performance Credit is equal to the negative Index
Return in excess of the 10% or 20% Buffer.
Assume you select a 3-year Term Index Option with
10% Buffer. If the Index Return for the Term is…
• -19%, the Performance Credit is -9%.
• -24%, the Performance Credit is -14%.
If instead you select a 3-year Term Index Option with
20% Buffer. If the Index Return for the Term is…
• -19%, the Performance Credit is 0%.
• -24%, the Performance Credit is -4%.
Performance Credit is equal to the Index Return
multiplied by the Participation Rate, up to any Cap
set on the Term Start Date
Assume the Participation Rate is 100% and the Cap
is 80%. If the Index Return for the Term is…
• 0%, the Performance Credit is zero.
• 65%, the Performance Credit is 65%.
• 90%, the Performance Credit is 80%.
If instead the Participation Rate is
                            110% and the
3-year Term were uncapped
, then if the Index
Return for the Term is…
• 0%, the Performance Credit is zero.
• 65%, the Performance Credit is 71.5%.
• 90%, the Performance Credit is 99%.
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Crediting Method
and Term Length
If Index Value is less than it was on
                            the
Term Start Date
(i.e., Index Return is negative):
If Index Value is equal to or greater
                            than it was
on the Term Start Date
(i.e., Index Return is zero or positive):
Index Performance
Strategy 6-year Term
Performance Credit is equal to the negative Index
Return in excess of the 10% Buffer.
If the Index Return for the Term is…
• -19%, the Performance Credit is -9%.
• -24%, the Performance Credit is -14%.
Performance Credit is equal to the Index Return
multiplied by the Participation Rate, up to any Cap
set on the Term Start Date
Assume the Participation Rate is 100% and the Cap
is 95%. If the Index Return for the Term is…
• 0%, the Performance Credit is zero.
• 65%, the Performance Credit is 65%.
• 90%, the Performance Credit is 90%.
If instead the Participation Rate is
                            110% and the
6-year Term were uncapped
, then if the Index
Return for the Term is…
• 0%, the Performance Credit is zero.
• 65%, the Performance Credit is 71.5%.
• 90%, the Performance Credit is 99%.
Daily Adjustment
The Daily Adjustment is how we calculate Index Option Values on Business Days other than the Term Start Date or Term End Date.
The AZL Government Money Market Fund is not subject to the Daily Adjustment.
The Daily Adjustment can affect the amounts available for withdrawal, Performance Locks, 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 Term
                Start Date. When it is negative, your Index Option Value has decreased (excluding the effect of the deduction of Contract expenses or any partial withdrawal). The Daily Adjustment for the Index Protection Strategy with Trigger cannot be
                negative.
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 choose to have us pay from this Contract. However, the Daily Adjustment calculation is not affected by any Contract fee or 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 Term End Date. It is the estimated present
                value of the future Performance Credit that we will apply on the Term End Date. The Daily Adjustment takes into account:
(i)
any Index gains during the Term subject to the applicable Trigger Rate, Cap, and/or
                    Participation Rate,
(ii)
either any Index losses greater than the 10% or 20% Buffer, or Index losses down to the -10%
                    Floor (not applicable to the Index Protection Strategy with Trigger), and
(iii)
the number of days until the Term End Date.
The Daily Adjustment does this by using the hypothetical value of a Proxy Investment
(Proxy Value)
each Business Day, other than the Term Start Date or Term End Date, 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 Term End Date taking into account the applicable Buffer, Floor, Trigger Rate, Cap, and/or Participation Rate.
                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 or Floor.
In extreme circumstances the Daily Adjustment could result in a loss beyond the protection of the 10% or 20% Buffer, or -10% Floor, 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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A withdrawal taken during the Term may not receive the full benefit of the Buffer or Floor because the Daily Adjustment takes into
                account what may potentially happen between the withdrawal date and the Term End Date. All other factors being equal, even if the current Index return during the Term is greater than the Cap or Index Precision Strategy Trigger Rate , the
                Daily Adjustment will usually be lower than the Cap or Index Precision Strategy Trigger Rate . For the Index Protection Strategy with Trigger, even if the current Index return during the Term is greater than or equal to zero, the Daily
                Adjustment will usually be lower than the Trigger Rate. This is because there is a possibility that the Index return could decrease before the Term End Date. Similarly, even though a negative Index return may be within the 10% or 20%
                Buffer for the Index Precision Strategy and Index Performance Strategy, you still may receive a negative Daily Adjustment because there is a possibility that the Index Return could decrease before the Term End Date. The Daily Adjustment for
                Index Options with a Term length of more than 1-year may be more negatively impacted by changes in the expected volatility of Index prices than 1-year Term Index Options due to the difference in Term length. Also, the risk of a negative
                Daily Adjustment is greater for Index Options with a Term length of more than 1-year than for 1-year Term Index Options due to the Term length. 3-year and 6-year Term Index Options with a Participation Rate above 100% may also have larger
                fluctuations in the Daily Adjustment than Index Options either without a Participation Rate, or with a Participation Rate equal to 100%. Finally, a negative Index return for the Index Guard Strategy may result in you receiving a Daily
                Adjustment lower than the -10% Floor, because the Daily Adjustment reflects the present value of the Floor and you will not receive the full benefit of the -10% Floor until the Term End Date.
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
.
Performance Locks and Early Reallocations
We must receive a 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 Term End Dates. 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 a Performance Lock based on targets you set only through your
                account on our website. You can set upper and/or lower targets for each Index Option each Term.
Setting a target close to the current
                Index Option Value return (or close to the Daily Adjustment once Contract Value is reduced to zero) 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 Term End 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.
A Performance Lock can be executed once each Term for each Index Option. We will not execute a Performance Lock on Index Protection
                Strategy with Trigger Index Options if the Daily Adjustment is zero. A Performance Lock applies to the total Index Option Value in an Index Option, and not just a portion of that Index Option. 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 Index Year unless you execute an Early Reallocation. Daily Adjustments do not apply to a locked Index Option for the
                remainder of the Index Year and the locked Index Option Value will not receive a Performance Credit. 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 (including financial adviser fees that you choose to have us pay from this Contract) or when we deduct a Contract fee or expense. On the next
                Index Anniversary that occurs on or 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 Term. If you do not provide us with transfer instructions, the Index Option Value will remain in the same Index Option with a new Term Start Date subject to the renewal Trigger Rate, Cap, and Participation Rate for the new Term.
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You can also transfer assets out of a locked Index Option by requesting an Early Reallocation. You can request an Early Reallocation
                only through your account on our website. We do not accept Early Reallocation requests within 14 calendar days before an Index Anniversary and you are limited to two Early Reallocation requests each Index Year. However, each request can
                involve multiple locked Index Options. You can execute a Performance Lock and Early Reallocation on the same Business Day. After your second Early Reallocation request in an Index Year, any locked Index Options will remain locked until the
                next Index Anniversary. These limitations mean you may not be able to take advantage of any increases to Early Reallocation rates, or any advantageous changes to Index values when they become available.
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 on an Index Precision Strategy, Index Guard Strategy, or Index Performance Strategy Index Option. Because we transfer assets out of a locked Index Option on the Index Anniversary that occurs on or
                immediately after the Lock Date, executing a Performance Lock can also allow you to transfer assets out of a 3-year or 6-year Term Index Option before the Term End Date if you execute the lock on or before the second Index Anniversary of a
                3-year Term, or on or before the fifth Index Anniversary of a 6-year Term. If the Index Anniversary occurs on a non-Business Day, the Performance Lock must be executed before the end of the
prior
Business Day in order to transfer assets out of a 3-year or 6-year Term Index Option before the Term
                End Date. Executing an Early Reallocation on a locked Index Option can also allow you to transfer assets out of an Index Option before the Term End Date. The disadvantage of executing a Performance Lock is that the relevant Index Value
                could increase by the Term End Date, and you will not participate in that increase. In addition, if you execute a Performance Lock on an Index Precision Strategy, Index Guard Strategy, or Index Performance Strategy Index Option, you may
                receive less than the full protection of the Buffer or Floor that you would have received if you waited for us to apply the Performance Credit on the Term End Date.
Early Reallocation Example.
Assume your Index
                Anniversary occurs on January 1st, and by June 15th you have locked four Index Options. You could submit an Early Reallocation request on July 17th for one Index Option, and a second request on August 14th for two more Index Options.
                However, after August 14th we will not accept any additional Reallocation Request for the remainder of the Index Year, so your one remaining locked Index Option will stay locked until the next Index Anniversary. Although you are unable to
                execute an Early Reallocation for the remainder of the Index Year, you can continue to execute Performance Locks on any unlocked Index Options.
We will not provide advice or notify
                            you regarding whether you should execute a Performance Lock or Early
Reallocation or the optimal time for
                            doing so. We will not warn you if you execute a Performance Lock or Early
Reallocation at a sub-optimal time.
                            We are not responsible for any losses related to your decision whether or not to
execute a Performance Lock or Early
                            Reallocation.
5.
AZL Government Money Market Fund
Information regarding the AZL Government Money Market Fund, including its (i) investment objective, (ii)
                investment adviser and subadviser, (iii) current expenses, and (iv) performance is available in Appendix E – Variable Investment Option Under the Contract. The AZL Government Money Market Fund has issued a prospectus that contains more
                detailed information about the fund. You should read the prospectus for the fund carefully before investing. The fund's prospectus and other information can be found online at
allianzlife.com/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. We send you the current copy of the AZL Government Money Market Fund's prospectus when we issue the Contract.
There are potential risks associated with the AZL Government Money Market Fund's investment strategies. Depending on market
                conditions, you can gain or lose value by investing in the AZL Government Money Market Fund. In the future, we may add, eliminate or substitute variable investment options to the extent permitted by the federal securities laws and, when
                required, the SEC.
Currently, the AZL Government Money Market Fund is not a publicly available mutual fund. It is available only as a variable
                investment option 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. The AZL Government Money Market Fund's Board of Directors monitors for material conflicts, and determines what
                action, if any, should be taken to address any conflicts.
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The AZL Government Money Market Fund's name, investment objectives and policies 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 AZL Government Money Market Fund's investment results may be higher or lower than these other
                portfolios' results. The investment advisers cannot guarantee, and make no representation, that these similar portfolios' investment results will be comparable even though the AZL Government Money Market Fund has the same name, investment
                advisers, objectives, and policies.
The AZL Government Money Market Fund pays 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 AZL Government Money Market Fund's advisers,
                distributors and/or affiliates for administrative services and benefits we provide to the AZL Government Money Market Fund. The compensation amount usually is based on the AZL Government Money Market Fund's 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.
We offer other variable annuity contracts that may invest in the AZL Government Money Market Fund. 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 AZL Government Money Market Fund's investment adviser, is affiliated with us through common
                ownership.
Substitution and Limitation on Holdings
We may substitute another variable investment option for the AZL Government Money Market Fund 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. A new or substitute variable investment option may have
                different fees and expenses. We may limit the amount of additional Purchase Payments held in the AZL Government Money Market Fund if marketing, tax or investment considerations warrant, or for any reason in our sole discretion. We may also
                close the AZL Government Money Market Fund. The fund companies that sell shares of the AZL Government Money Market Fund to us, pursuant to participation agreements, may end those agreements and discontinue offering us their shares.
Excessive Trading and Market Timing
Currently the Contract does not offer any variable investment options
                            to which you can allocate money. If we were to
offer variable investment options in the future they would be subject
                            to the following provisions.
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 investment 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 investment option, if market timers
                    or others transfer into a variable investment 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 investment option to
                    maintain a higher level of cash or causing a variable investment option to liquidate investments prematurely.
•
Increased brokerage and administrative expenses.
We attempt to protect our Owners and the variable investment 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 investment 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).
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•
Require a minimum time period between each transfer into or out of the same variable investment
                    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 investment option, or transfers out of and back into
                    the same variable investment 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
                    investment option.
•
Prohibit transfers into specific variable investment 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 investment 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 investment option returns. Similarly, rapid or frequent trading
                may cause a variable investment option to incur excessive transaction fees, which also could affect performance.
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 investment option, we may prohibit
                transfers into or Purchase Payment allocations to that variable investment 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 investment 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 investment 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 investment option's shares are subject to acceptance by that variable investment option's manager. We reserve the right to reject, without prior notice, any variable investment 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 investment options during a specified period; and (2) restrict your trading
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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 investment options may add or change policies designed to restrict market timing activities. For example, variable
                investment options may impose restrictions on transfers between variable investment options in an affiliated group if the investment adviser to one or more of the variable investment 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 investment option may impose a short-term trading fee on purchases and sales within a specified period. You should review
                the variable investment 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 investment
                option restrictions and actions taken by the variable investment 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.
Voting Privileges
We legally own the AZL Government Money Market Fund shares. However, when the AZL Government Money Market Fund 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 as follows:
•
You can provide voting instructions based on the dollar value of the AZL Government Money Market
                    Fund'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.
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Optional Benefit Additional Rider Fee
Maximum Anniversary Value Death Benefit
If you have the Maximum Anniversary Value Death Benefit, we deduct an additional 0.20% rider fee from your Contract Value. The
                rider 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 while your benefit is in effect 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 rider fee,
on
the day after the
Issue Date.
• First we calculate and accrue the daily rider 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 (including any
financial adviser fees that you choose to have
us pay from this Contract), or we deduct
Contract fees and expenses other than the
withdrawal charge, 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 AZL
Government Money Market Fund performance or
application of any Daily Adjustment (or
Performance Credit if this is also the Term End
Date), any additional Purchase Payment, any
partial withdrawals you take (including financial
adviser fees that you choose to have us pay from
this Contract and any withdrawal charge), and
deductions we make for other Contract fees and
expenses
(including deduction of the accrued
daily rider fee for the prior
                            quarter).
All partial
withdrawals you take reduce the Charge Base,
even Penalty-Free Withdrawals.
–
We deduct the accrued rider fee for the prior
quarter on a dollar for dollar basis from the
Contract Value, and proportionately from each
Index Option and the AZL Government Money
Market Fund.
• Then we set the Charge Base equal to this
Contract Value and we calculate and accrue the
next quarter's
daily rider 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 rider fee we
calculate and accrue
on the next day.
Examples of how we
                            calculate the rider fee are included in Appendix C.
We no longer assess the 0.20% additional rider fee once we receive either the first Valid Claim from any one Beneficiary, or due
                proof of a Determining Life's death if you and the Determining Life are different individuals and the Determining Life predeceases you. We deduct the final accrued additional rider fee before calculating the death benefit. If you take a
                full withdrawal or annuitize the Contract, we deduct the final accrued rider fee before processing the withdrawal or calculating Annuity Payments. The additional rider fee compensates us for the risks we assume under the Maximum Anniversary
                Value Death Benefit.
•
When calculating the Maximum Anniversary Value, we deduct all Contract fees and expenses on the Index
Anniversary (including the accrued rider fee if this is also a Quarterly
                            Contract Anniversary) before we capture any
annual investment gains. However, we do not treat the deduction of the
                            accrued rider fee as a withdrawal when
calculating the Maximum Anniversary Value (see section 10).
•
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 rider fee,
                            we deduct your total remaining Contract
Value to cover the accrued rider fee and reduce your Contract Value to
                            zero.
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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 Contract Value is at least $100,000 on the Contract
                    Anniversary.
•
During the Annuity Phase if the Contract Value on the last Business Day before the Annuity Date is
                    at least $100,000.
•
When paying death benefits.
During the Accumulation Phase, 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 Index Option and the AZL Government Money Market Fund.
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. During the Annuity Phase, we deduct the contract maintenance charge proportionately from each
                Annuity Payment (e.g., if you request semi-annual Annuity Payments we deduct 50% of the contract maintenance charge from each Annuity Payment).
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 (excluding 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 during the Accumulation Phase, and will reduce the Contract Value and Guaranteed Death Benefit Value
(perhaps significantly
).
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 $55,000 and make
another Purchase Payment in the first month of the second
Contract Year of $45,000. In the third month of the third
Contract Year, your Contract Value is $110,000 and you
request a $70,000 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, and they do not reduce the
Withdrawal Charge 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.
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Calculating a Withdrawal Charge
Example
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 $55,000, which is subject to a 7%
withdrawal charge, and you receive $51,150. We determine
this amount as follows:
(
amount withdrawn) x (1 – withdrawal charge) = the
amount you receive, or:
$55,000 x 0.93 = $51,150
Next we withdraw from the second Purchase Payment.
So far, you received $61,150 ($10,000 under the free
withdrawal privilege and $51,150 from the first Purchase
Payment which is now reduced to zero), so we withdraw
$8,850 from the second Purchase Payment to equal the
$70,000 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:
$8,850 ÷ 0.92 = $9,620.
Number of Complete Years
Since Purchase Payment
Withdrawal Charge
Amount
0
1
2
3
4
5
6 years or more
8.5%
8%
7%
6%
5%
4%
0%
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 $74,620 from your Contract, of
which you received $70,000 and paid a withdrawal
charge of $4,620. We also reduced the 1st Purchase
Payment from $55,000 to $0, and your 2nd Purchase
Payment from $45,000 to $35,380 ($45,000 – $9,620).
Upon a full withdrawal, we first deduct any  final rider 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 Index Option and the AZL Government Money Market Fund. If a partial withdrawal occurs on a
                day that we also deduct the rider 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 or any of its affiliates. Also, we may reduce or eliminate the withdrawal charge when a Contract is sold by a Financial
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Professional appointed with Allianz Life 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:
–
prior Penalty-Free Withdrawals,
–
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 rather than from 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.
Daily Adjustment Maximum Potential Loss
The Daily Adjustment is how we calculate Index Option Values on days other than the Term Start Date or Term End Date. The Daily
                Adjustment approximates the Index Option Value that will be available on the Term End Date. If before the Term End Date 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 Strategy
with Trigger
Index Precision
Strategy
and
Index Performance
Strategy
Index
Guard
Strategy
Daily Adjustment Maximum Potential Loss
0%
99%
35%
(as a percentage of Index Option Value, applies for distributions
from an Index Option before any Term End Date)
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.
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.
AZL Government Money Market Fund Expenses
Charges deducted from and expenses paid out of the assets of the AZL Government Money Market Fund are described in the fund's
                prospectus.
These expenses reduce the AZL Government Money Market Fund's performance and, therefore, negatively affect your Contract Value and
                any payments based on Contract Value.
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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 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 Index Option and the AZL Government
                Money Market Fund. The Index Option Value from which a partial withdrawal is deducted during a Term will include any applicable Daily Adjustment.
When you take a full withdrawal of the Cash 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 rider fee and contract maintenance charge, and
•
less any withdrawal charge.
See the Fee Tables and section 6, Expenses for a discussion of the Contract fees and expenses.
A partial or full withdrawal is subject to a withdrawal charge if taken within six years of your last Purchase Payment, and if
                taken on a day other than a Term End Date we will apply the Daily Adjustment to the Index Option Value before deducting the withdrawal. A partial withdrawal is not subject to any Contract fees or expenses other than the withdrawal charge,
                but on a full withdrawal we do deduct any final rider fee and contract maintenance charge. Partial withdrawals (including any withdrawal charge) reduce Contract Value and Cash Value dollar for dollar, and reduce the Guaranteed Death Benefit
                Value proportionately. The reduction to Contract Value also reduces the following which are based on Contract Value: the likelihood of receiving increases to the Maximum Anniversary Value if the Maximum Anniversary Value Death Benefit is
                selected, and RMD payments. A full withdrawal will end the Contract and all its benefits.
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 rather than from other assets you may have.
•
Joint Owners:
We send each Joint Owner a check for half of the withdrawal
                            amount and tax report that 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.
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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 7% withdrawal charge.
The free withdrawal privilege is not available upon a
                            full withdrawal.
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. 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 future RMD payments. We apply the Daily Adjustment if RMD payments are deducted from the Index Options on days other than a Term End Date. We can make payments to you
                monthly, quarterly, semi-annually or annually. However, if your Contract Value is less than $25,000, we only make annual payments. We do not allow you to aggregate RMD payments between this Contract and other qualified contracts that you
                own for purposes of this program. We must receive your program form instructions in Good Order at our Service Center before the end of the Business Day before payments begin.
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.
Waiver of Withdrawal Charge Benefit
After the first Contract Year, you can take withdrawals and we waive the withdrawal charge if you:
•
have to stay in an eligible facility (a hospital, nursing facility, or assisted living facility)
                    for at least 90 days in a 120-day period, or
•
are unable to perform at least two of six activities of daily living (ADLs) for at least 90
                    consecutive days. ADLs include bathing, dressing, toileting, continence, eating, and transferring (moving into or out of a bed, chair, or wheelchair).
We must receive proof of staying in an eligible facility or ADL eligibility before we waive the withdrawal charge. For ADL
                eligibility we may require, at our expense, an examination or tests by a physician of our choice. This waiver is not available if on the Issue Date you were confined to an eligible facility, or were unable to perform all six of the ADLs. We
                base this benefit on the Annuitant for non-individually owned Contracts. Withdrawals under this benefit reduce the free withdrawal privilege amount during the Contract Year. We apply the Daily Adjustment if withdrawals under this benefit
                are deducted on days other than the Term End Date.
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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 AZL Government
                    Money Market Fund shares is not reasonably practicable or we cannot reasonably value the 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 Cash Value. If you take a full withdrawal on any day other
                than a Term Start Date or Term End Date we apply the Daily Adjustment to the 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.
You can request 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 rider fee (if applicable) 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.
For any Index Option for which the Annuity Date is not a Term End Date, Contract Value reflects the Daily Adjustment. 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 G. We deduct the contract maintenance charge
                proportionately from each Annuity Payment (e.g., if you request semi-annual Annuity Payments we deduct 50% of the contract maintenance charge from each Annuity Payment). However, if your Contract Value on the last Business Day before the
                Annuity Date is at least $100,000 we waive the contract maintenance charge during the Annuity Phase.
Annuity Payment Options
You can choose one of the Annuity Options described below. After Annuity Payments begin, you cannot change the Annuity Option, or
                transfer or withdraw Contract Value.
Option A - Guaranteed Period.
We make
                Annuity Payments for a guaranteed period of ten years.
Option B - Life.
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 C - Life with Guaranteed Period.
We
                make Annuity Payments during the life of the Annuitant, with payments for a minimum guaranteed period that you select. The guaranteed period must be either five or ten years.
Option F - Joint and Survivor.
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. If both Annuitants die shortly
                after the Annuity Date, the Payee may receive less than your investment in the Contract.
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Option G - Joint and 2/3 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 2/3 of the original amount.
                If both Annuitants die shortly after the Annuity Date, the Payee may receive less than your investment in the Contract.
Under Annuity Options B, F and G, 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 Options A and C, 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 10-year guaranteed period are less than payout rates for a 5-year guaranteed period, and payout rates for a 50-year-old
                Annuitant are less than payout rates for a 70-year-old Annuitant.
If you do not choose an Annuity Option before the
                            Annuity Date, we make Annuity Payments to the Payee under
Annuity Option C with ten years of guaranteed monthly
                            payments.
When Annuity Payments Begin
Annuity Payments must begin on the maximum Annuity Date stated in your Contract, which is the Index Anniversary that occurs on or
                immediately after the Annuitant reaches age 100. 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 an earlier Annuity Date after the Issue Date, but any such request is subject to applicable law and our approval.
Your Annuity Date must occur on an Index Anniversary. The earliest available Annuity Date is the second Index Anniversary.
•
If Annuity Payments would be less than $100, we reserve the right to require you to take a full withdrawal and
your Contract will then terminate.
•
If on the maximum Annuity Date 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.
If on your maximum Annuity Date you have
not selected an Annuity Option, we
                            make payments under Annuity Option C 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
Maximum
Fee
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.
None
• 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
.
Minimum
Distribution
Program
Allows you to automatically take withdrawals to
satisfy the minimum distribution requirements
(RMD) imposed by the Internal Revenue Code.
None
• 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.
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.
None
• 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.
• See section 1 for an example of how deduction
of financial adviser fees impact the Contract.
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Standard Benefits (No Additional Charge)
Name of
Benefit
Purpose
Maximum
Fee
Brief Description of
                            Restrictions/Limitations
Waiver of
Withdrawal
Charge
Benefit
Waives withdrawal charges if you are confined
for care, or are unable to perform at least two out
of six activities of daily living (ADLs).
None
• Only available during the Accumulation Phase.
• Confinement must be for at least 90 days in a
120-day period and requires proof of stay.
• Inability to perform two ADLs must be for at
least 90 consecutive days and may require an
exam or tests by a physician.
• Not available on the Issue Date if any Owner
was confined to an eligible facility, or unable to
perform all six ADLs.
• 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.
Examples of deductions for the impact of
financial adviser fees that you choose to have us
pay from this Contract on the death benefit is
included in section 1.
None
• 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
Maximum
Fee
Brief Description of
                            Restrictions/Limitations
Performance
Lock and
Early
Reallocations
Allows you to capture the current Index Option
Value during the Term for an Index Option. Can
help eliminate doubt about future Index
performance and possibly limit the impact of
negative performance. Can allow you to transfer
out of an Index Option before the Term End
Date.
A Performance Lock example is included in
section 4, Valuing Your Contract — Performance
Locks and Early Reallocations.
None
• Available during the Accumulation Phase.
• Performance Locks may be executed before
the Term End Date for an Index Option.
• If a Performance Lock is executed, the locked
Index Option will no longer participate in Index
performance (positive or negative) for the
remainder of the Index Year, and will not
receive a Performance Credit.
• You will not know your locked Index Option
Value in advance.
• The locked Index Option Value will reflect a
Daily Adjustment.
• If a Performance Lock is executed when Daily
Adjustment has declined, will lock in any loss.
• A Performance Lock can be executed only
once each Term for each Index Option.
• Cannot execute a Performance Lock for only a
portion of the Index Option Value.
• Early Reallocation requests are not accepted
within 14 calendar days before an Index
Anniversary and are limited to two Early
Reallocation requests each Index Year.
• Deductions (e.g. withdrawals, fees) decrease
the locked Index Option Value.
• Cannot transfer Index Option Value until the
Term End Date unless you execute a
Performance Lock.
• We will not provide advice or notify you
regarding whether you should execute a
Performance Lock or Early Reallocation or the
optimal time for doing so.
• We will not warn you if you execute a
Performance Lock or Early Reallocation at a
sub-optimal time.
• We are not responsible for any losses related
to your decision whether or not to execute a
Performance Lock or Early Reallocation.
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Optional Benefits
Name of
Benefit
Purpose
Maximum
Fee
Brief Description of
                            Restrictions/Limitations
Maximum
Anniversary
Value 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
the Maximum Anniversary Value.
An example of the death benefit provided by the
Maximum Anniversary Value Death Benefit, and
calculation of the Maximum Anniversary Value is
included in section 10, Death Benefit.
Examples of deductions for the impact of
financial adviser fees that you choose to have us
pay from this Contract on the death benefit is
included in section 1.
0.20%
(as a
percentage of
the Charge
Base)
• Must be age 75 or younger to elect.
• Can only be added to a Contract at issue.
• Replaces the Traditional Death Benefit if
elected.
• Benefit cannot be removed from the Contract.
• Only available during the Accumulation Phase.
• Withdrawals, including any negative Daily
Adjustment, may significantly reduce the
benefit as indicated in section 1, Financial
Adviser Fee Deduction Example.
• Withdrawals reduce the likelihood of lock in.
• Restrictions on Purchase Payments may limit
the benefit.
• Annuitizing the Contract will end the benefit.
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, the standard death benefit, for no additional charge. If available, you can
                instead select the optional Maximum Anniversary Value Death Benefit at Contract issue for an additional rider fee if all Owners and the Annuitant are age 75 or younger. The Maximum Anniversary Value Death Benefit can only be added to a
                Contract at issue.
The Maximum Anniversary Value Death Benefit cannot be less than the Traditional Death Benefit, but they may be equal. Please discuss
                this benefit's appropriateness with your Financial Professional.
The death benefit is the greater of the Contract Value, or Guaranteed Death Benefit Value. The Guaranteed
                Death Benefit Value is either total Purchase Payments reduced proportionately for withdrawals you take (including any withdrawal charge) if you select the Traditional Death Benefit, or the Maximum Anniversary Value if you select the Maximum
                Anniversary Value Death Benefit.
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 Index 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 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 to the Index Options based on the allocation instructions that were in effect on the date of death.
From the time we determine the death benefit until we make a complete distribution, any amount in the Index Options and the AZL
                Government Money Market Fund 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.
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On the first death of a Determining Life during the Accumulation Phase, if your selected 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 either total Purchase Payments reduced proportionately for withdrawals you take (including any withdrawal
                charge) if you select the Traditional Death Benefit, or the Maximum Anniversary Value if you select the Maximum Anniversary Value Death Benefit. For example, assume total Purchase Payments are $90,000, you take no withdrawals, the highest
                Contract Value on any Index Anniversary (the Maximum Anniversary Value) is $105,000, and the current Contract Value is $100,000. The death benefit for the Traditional Death Benefit is the $100,000 Contract Value, and for the Maximum
                Anniversary Value Death Benefit it is the $105,000 Maximum Anniversary Value.
If the date we are determining the death benefit is not the Term End Date, 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 and reduce the likelihood of receiving increases to
                the Maximum Anniversary Value
.
In addition, because the death
                benefit is 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.
Maximum Anniversary Value
The Maximum Anniversary Value is initially equal to the Purchase Payment received on the Issue Date. At the end of each Business
                Day, we adjust the Maximum Anniversary Value as follows.
•
We increase it by the dollar amount of any additional Purchase Payments.
•
We reduce it by the percentage of any Contract Value you withdraw (including any withdrawal
                    charge).
If the Index Effective Date occurs after the Issue Date, the Maximum Anniversary Value on the Index Effective Date is calculated in
                the same way as on an Index Anniversary.
On each Index Anniversary before the end date (or on the next Business Day if the Index Anniversary is not on a Business Day) the
                Maximum Anniversary Value is equal to the greater of:
•
its current value after processing any additional Purchase Payments, or withdrawals you take
                    (including any withdrawal charge), or
•
the Contract Value determined at the end of the Business Day after we process all daily
                    transactions including Performance Credits, any additional Purchase Payments, withdrawals you take including any withdrawal charges, and deductions we make for other Contract fees and expenses. Contract Value reflects the Daily
                    Adjustment for an Index Option for which this anniversary is not a Term End Date.
Negative Index Option performance, withdrawals
                    you take, and deductions we make for Contract fees or expenses decrease the Contract Value and reduce the likelihood of receiving increases to the Maximum Anniversary Value.
On and after the end date, we no longer make this comparison and we no longer capture any annual investment gains in the Maximum
                Anniversary Value.
The end date occurs on the earliest of:
•
the older Determining Life's 91st birthday, or
•
the end of the Business Day we receive the first Valid Claim from any one Beneficiary.
Example
Contract
Value
Maximum Anniversary Value
Issue Date
$ 100,000
$ 100,000
1
st
Index Anniversary
$ 110,000
$ 110,000
2
nd
Index Anniversary
$ 95,000
$ 110,000
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Contract
Value
Maximum Anniversary Value
3
rd
Index Anniversary
$ 105,000
$ 110,000
4
th
Index Anniversary
$ 120,000
$ 120,000
•
On the Issue Date the Maximum Anniversary Value is equal to the initial Purchase Payment of
                    $100,000.
•
On the 1st Index Anniversary the Contract Value is greater than the Maximum Anniversary Value, so
                    the Maximum Anniversary Value increases to equal the Contract Value of $110,000.
•
On the 2nd and 3rd Index Anniversaries the Contract Value is less than the Maximum Anniversary
                    Value, so we neither increase nor decrease the Maximum Anniversary Value. The Maximum Anniversary Value will stay at $110,000 until the Contract Value on an Index Anniversary is greater than this amount or you make an additional
                    Purchase Payment (either of which will increase the Maximum Anniversary Value), or you take a withdrawal (which will decrease the Maximum Anniversary Value).
•
On the 4th Index Anniversary the Contract Value is greater than the Maximum Anniversary Value, so
                    the Maximum Anniversary Value increases to equal the Contract Value of $120,000.
What Happens Upon Death?
If you are the Determining Life, or if you and the Determining Life (Lives) are different individuals and die within 120 hours of
                each other, we determine the Guaranteed Death Benefit Value 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 within 120 hours of each other, 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 or Maximum Anniversary Value Death Benefit are 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 your selected death benefit ends
. We allocate any Contract Value increase to the AZL Government Money Market Fund. Then on the next Index
                    Anniversary we transfer the Variable Account Value to the Index Options according to your allocation 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 and Maximum Anniversary Value Death Benefit end 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 within 120 hours of each other.
•
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 within 120 hours of each other.
•
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 Guaranteed Death Benefit Value 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 Guaranteed Death Benefit Value is no longer available, and
•
if you selected the Maximum Anniversary Value Death Benefit, we no longer assess its 0.20% rider fee.
Also, if you and the Determining
                            Life (Lives) are different individuals and you die first, the Guaranteed Death Benefit
Value 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
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 your selected death benefit ends. We allocate any Contract Value increase to the AZL Government Money Market Fund. Then on the next
                Index Anniversary we transfer it to the Index Options according to allocation 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 Index Options.
Option C:
If the Beneficiary is an
                individual, payment of the death benefit as Annuity Payments under Annuity Options A, B, or C. If you take the death benefit as Annuity Payments we do not require that the Annuity Date occur on an Index Anniversary. 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 Index Options.
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).
•
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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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.
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.
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
When you take money out of a Contract, we may deduct premium tax that we pay on your Contract. This tax varies from 0% to 3.5%,
                depending on your state. Currently, we pay this tax and do not pass it on to you.
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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, 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 each Joint Owner a check for
                half of the withdrawal amount and tax report that 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.
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).
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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.
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 rather than from other assets you may have.
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.
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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
                available variable investment 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 any available variable investment 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.
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
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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.
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. Proposed Treasury regulations would also require your beneficiary
                in certain circumstances to continue stretch payments during this 10-year period.
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. Proposed Treasury regulations would require you to receive a RMD each year if the Owner died on or after their required beginning date.
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. Proposed Treasury regulations provide some additional
                information. Further clarification of situations involving trust Beneficiaries is expected to be provided when the Treasury
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Department finalizes proposed 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.
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 fees and expenses 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.
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
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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.
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 Variable Account B (the Separate Account) as a separate account under Minnesota insurance law on May 31,
                1985. 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.
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The Separate Account holds the AZL Government Money Market Fund's 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 variable investment option. The only currently available variable investment option is the AZL Government Money Market Fund.
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 AZL Government Money Market Fund.
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. 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, including obligations associated with the death benefit.
                Contract Value that you apply to Annuity Payments becomes part of our general account.
Our Unregistered Separate Account
We hold the assets you allocate to the Index Options in Separate Account IANA, which we established under Minnesota Insurance Law
                for the purpose of supporting our obligations to pay Performance Credits. We invest the assets in Separate Account IANA in hedging instruments, including derivative hedging instruments such as put and call options, as well as cash and fixed
                income securities. Like our general account, the assets in Separate Account IANA 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 IANA. In addition, neither the Owner nor these Index Options participate in any way in the performance of assets held in Separate Account IANA.
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.
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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.
As of December 31, 2022, no Contract offered by this prospectus had been sold. Therefore, we have not included any underwriting
                commissions paid to ALFS.
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 investment 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 AZL Government Money Market Fund assesses a Rule 12b-1 fee of 0.25% of the fund's average daily net assets for the most recent
                calendar year. This fee is paid to ALFS as consideration for providing distribution and certain other services and incurring certain expenses permitted under the fund's plan.
In certain instances, an investment adviser and/or subadviser (and/or their affiliates) of a variable investment 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.
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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.
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 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 prospectus for the AZL
                Government Money Market Fund, 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
We and our subsidiaries, like other life insurance companies, 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 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
[To be updated by amendment]
Allianz Life is a stock life insurance company organized under the laws of the State of Minnesota in 1896. Our address is 5701 Golden
                Hills Drive, Minneapolis, MN 55416. We are a wholly owned 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 fixed index annuities, individual life insurance, and registered index-linked annuities. We are licensed to do direct business in 49 states and the District of Columbia.
Directors, Executive Officers and Corporate Governance
BOARD OF DIRECTORS
The Board currently consists of eight members, including our Chair, our President and Chief Executive Officer, our Chief Financial
                Officer and Treasurer, three independent outside board members, and two non-independent board members. Age and positions are provided as of December 31, 2022, except as otherwise noted.
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The Board holds regular quarterly meetings, generally in February, April/May, July/August, and October/November of each year, and
                holds special meetings or takes action by unanimous written consent as circumstances warrant. There were two special meetings of the Board held in 2021. The Board has standing Executive, Audit, and Nomination, Evaluation and Compensation
                Committees, each of which is described in further detail below.
The current members of our Board are as follows.
Andreas G. Wimmer
Director and Chair of the Board
Andreas G. Wimmer, age 47, currently serves as the Chair of Allianz Life's Board of Directors and as the Chair of its Executive
                Committee, effective January 1, 2022. Mr. Wimmer currently serves as a Member of the Board of Management of Allianz SE since October 2021. Previously, Mr. Wimmer served as the Chief Executive Officer of Allianz Lebensversicherungs-AG from
                January 2020 to March 2022 and as a Member of the Board of Management of Allianz Deutschland AG from January 2020 to October 2021, respectively. Previously, Mr. Wimmer served as a member of the Board of Management, Corp. Clients of Allianz
                Lebensversicherungs-AG from 2015 to 2019.
Mr. Wimmer brings to the Board extensive experience in the financial services and insurance industries, as well as extensive
                experience in investments and asset management, including serving as a Member of the Board of Management of Allianz SE, Asset Management, US Life Insurance.
Jasmine M. Jirele
Director, President, and Chief Executive Officer
Jasmine M. Jirele, age 44, joined Allianz Life in 2018 and currently serves as the President and Chief Executive Officer and a
                member of the Board of Directors and its Executive Committee effective September 1, 2021. Ms. Jirele also serves as the Chair of the Board and the Chief Executive Officer of Allianz Life of New York. She 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 August 31, 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, Senior Vice President, Chief
                Financial Officer and Treasurer
William E. Gaumond, age 48, joined Allianz Life in 2004 and currently serves as Senior Vice President, Chief Financial Officer and
                Treasurer, and as a member of the Board of Directors since January 1, 2016. He also serves as a Director, the Chief Financial Officer and Treasurer and as a member of its Executive Committee and Chair of Finance Committee of Allianz Life of
                New York.
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, Allianz Technology of America, Inc., and PFP Holdings, Inc., respectively. He 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
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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.
Udo Frank
Director
Udo Frank, age 62, joined Allianz Life's Board of Directors on May 1, 2015 and also serves as the Lead Independent Director, the
                Chair of its Audit Committee and as a member of its Nomination, Evaluation and Compensation Committee and its Executive Committee. Mr. Frank has over 30 years of experience in the financial services and insurance industries. Mr. Frank
                worked for various Allianz SE investment and asset management affiliates from 1994 to 2014, including serving in numerous executive positions. In 2001, Mr. Frank was appointed as the Global Chief Executive Officer of RCM Capital Management,
                LLC. In 2012, he was appointed the Head of Product Management and Chief Marketing Officer of Allianz Global Investors – U.S.
Mr. Frank brings to the Board extensive experience in the financial services and insurance industries, as well as extensive
                experience in investments and asset management.
Anna Sophie Herken
Director
Anna Sophie Herken, age 50, joined Allianz Life's Board of Directors on October 1, 2019. She also serves as the Chair of Allianz
                Foundation for North America Board of Directors and as its President, effective October 15, 2021. She also serves as the Business Division Head of Allianz Asset Management GmbH since April of 2018. Ms. Herken also serves as a board member
                of CPIC Fund Management Ltd. since July 2019. Prior to that, Ms. Herken was Chief Financial Officer and Chief Operating Officer of Hasso Plattner Capital Germany from 2016 to 2018, Managing Director of Hertie School of Governance GmbH from
                2011 to 2016. Ms. Herken holds an MBA from the University of Cambridge, Law and Judge Degrees.
Ms. Herken brings to the Board extensive experience in the financial service industry, as well as extensive experience in working
                for international financial organizations with a focus on finance and asset management.
Kevin E. Walker
Director
Kevin E. Walker, age 59, joined Allianz Life's Board of Directors on May 23, 2017, and also serves as a member of its Audit
                Committee and Chair of its Nomination, Evaluation and Compensation Committee. Mr. Walker also serves on the Board of Directors of Allianz Life of New York as of October 1, 2018. 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.
Walter R. White
Director
Walter R. White, age 65, joined Allianz Life in 2009, became an Allianz Life Board member in 2012. Previously, Mr. White served as
                the President and Chief Executive Officer from January 1, 2012 through September 1, 2021, and most recently as Senior Advisor through December 31, 2021. Mr. White also previously served as the Chair of the Board and the Chief Executive
                Officer of Allianz Life of New York, and as a Board member and the President of AZOA Services Corporation and served as the Chair of its Shared Plans Management Committee. Mr. White also served as a Governor of Allianz Individual Insurance
                Group, LLC, Allianz Investment Management LLC, Allianz Investment Management U.S. LLC, and TruChoice Financial Group, LLC, respectively. In addition, Mr. White previously served as a Director of Questar Capital Corporation and Questar
                Agency, Inc. Mr. White served as Chair, Chief Executive Officer and President of Allianz Life and Annuity Company from 2012 to 2017.
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Mr. White brings to the Board extensive financial services and brokerage experience as well as key strategic planning and leadership
                skills developed as the former President and Chief Executive Officer of Allianz Life and the former President of Woodbury Financial.
Howard E. Woolley
Director
Howard E. Woolley, age 64, joined Allianz Life's Board of Directors on May 1, 2020 and is a member of its Audit Committee and its
                Nomination, Evaluation and Compensation Committee. In 2015, Mr. Woolley formed Howard Woolley Group LLC, a strategic business and public policy firm serving leading technology and wireless industry clients, and serves as its President. He
                is a leader in the field of regulatory risk management, public policy, and government affairs. Mr. Woolley is an NACD Leadership Fellow and an international member of the Australian Institute of Company Directors. Howard serves on the board
                of directors of Apple Hospitality REIT, Inc., a publicly traded real estate investment trust that owns hotels across the United States. He also serves as the Lead Independent Director, Chair of the Nominations and Governance Committee and
                is a member of the Compensation Committee for telecommunications company SOMOS Inc. He serves on the boards of trustees for Johns Hopkins Medicine, Johns Hopkins University and Syracuse University. Mr. Woolley is co-chair of the Johns
                Hopkins University & Medicine External Affairs Committee and serves on the Johns Hopkins Medicine Executive Committee and the Syracuse University Audit and Academic Affairs Committees.
Mr. Woolley brings to the Board more than 20 years of extensive board experience and brings a wealth of experience and insights in
                several areas, including risk management.
EXECUTIVE OFFICERS
The current executive officers (other than Ms. Jirele and Mr. Gaumond) are as follows. Age and positions are provided as of
                December 31, 2022, except as otherwise noted.
Eric J. Thomes
Senior Vice President, Chief Distribution Officer
Eric J. Thomes, age 49, joined Allianz Life in 1995 and currently serves as the Senior Vice President, Chief Distribution Officer
                of Allianz Life since April 1, 2019. He also serves as the President and a Director of Allianz Life of New York. 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. He also serves as the Chair and as a Director of Yorktown 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.
Gretchen Cepek
Senior Vice President, General Counsel, and Secretary
Gretchen Cepek, age 53, joined Allianz Life in 2009 and currently serves as Senior Vice President, General Counsel and Secretary
                since February 17, 2012. In this role, Ms. Cepek is responsible for the legal, ethics, and compliance departments as well as government relations and the special investigations unit. She also serves as the Chief Legal Officer and Secretary
                of Allianz Life of New York, and 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, and the Vice President of Legal Business
                Operations, Distribution and Product Development of Allianz Life from 2009 to 2012. Ms. Cepek received her J.D. from Valparaiso University School of Law in 1993.
Susan M. Sachatello
Senior Vice President, Chief Growth Officer
Susan M. Sachatello, age 55, joined Allianz Life in September 2021 and currently serves as the Senior Vice President, Chief Growth
                Officer and as a Governor of Allianz Strategic Investments LLC. Ms. Sachatello leads development of the Company's strategy, and has overall accountability for New Markets, Ventures, Product Innovation, Enterprise Marketing and Experience
                Management, Strategic Communications, Community Engagement and Sponsorships, and Enterprise Agile.
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Previously, Ms. Sachatello was the Chief Marketing and Sales Officer of Principal Advisory Services within Principal Financial Group
                from May 2020 to September 2021 where she built a team to deliver effective marketing, strategy, distribution and customer and advisor experience for a board-directed growth business extending the strength in group distribution into a new
                Individual business model across Retirement, Annuity and Life product lines. Ms. Sachatello was also the Senior Vice President, Marketing and Customer Experience of CUNA Mutual Group from 2011 to 2020 where she directed strategy, CX,
                marketing, sales and customer operations for a $1.4B business selling life, health and auto insurance. Ms. Sachatello also held Chief Marketing Officer positions for Lands' End, LBrands, and DoubleClick (now Google Ad Manager). Ms.
                Sachatello holds a Bachelor of Arts degree in Economics and English from the University of Richmond, and a Master of Business Administration from the College of William and Mary.
Neil H. McKay
Senior Vice President, Chief Actuary
Neil H. McKay, age 60, joined Allianz Life in 1999 and currently serves as the Senior Vice President, Chief Actuary of Allianz Life
                since May 15, 2000. Mr. McKay also serves as the Chief Actuary of Allianz Life of New York since April 8, 2014. He also served as a Director and the 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 and Allianz Life of New York, including the actuarial assumptions underlying its products and the rate setting associated with existing and new products.
Jean-Roch P.F. Sibille
Senior Vice President, Chief Investment Officer
Jean-Roch P.F. Sibille, age 39, joined Allianz Life in 2019 and currently serves as the Senior Vice President, Chief Investment
                Officer since May 3, 2022. He also currently serves as the Chief Investment Officer of Allianz Life of New York, and the Chief Investment Officer of Allianz Life Insurance Company of Missouri, LLC, respectively. Mr. Sibille is a Governor
                and the Chief Executive Officer of Allianz Investment Management U.S. LLC and a Governor of Allianz Strategic Investments, LLC, respectively. In addition, he also serves as a Director and Vice President and Treasurer of AZL PF Investments
                Inc., Dresdner Kleinwort Pfandbriefe Investments II Inc., and Allianz Fund Investments, Inc., respectively. Mr. Sibille leads the investment management, liquidity planning, hedging, and trading functions at Allianz Life. He is also a member
                of the global Allianz Investment Management Board, which serves the Allianz Group of insurance companies. Previously, Mr. Sibille served as the Senior Vice President, Chief Risk Officer and Chief Credit Officer of Allianz Life and as the
                Chief Risk Officer of Allianz Life of New York from January 2019 to May 2022. Prior to his current roles, he spent four years at Allianz SE as the Head of Market Risk Management and Risk Reporting, and Head of the Independent Validation
                Unit. Mr. Sibille also has broad work experience in risk management with AXA Belgium and McKinsey and Company.
Mr. Sibille earned an Executive Master of Business Administration at the Kellogg-WHU School of Management, a Ph.D. in Finance from
                the University of Liѐge, and a Master in Business Engineering at the University of Namur.
Jenny L. Guldseth
Senior Vice President, Chief Human Resources Officer
Jenny L. Guldseth, age 46, joined Allianz Life in 2005 and currently serves as the Senior Vice President, Human Resources Officer
                since January 1, 2019. In this position, Ms. Guldseth is responsible for setting strategy and leading the Human Resources and Facilities departments to improve business results and increase employee engagement. Ms. Guldseth is also a
                Director of the Allianz Foundation for North America, the Chief Human Resources Officer of AZOA Services Corporation, and the Chair of its Employee Benefits Administration Committee and a member of its Benefit Plans Investment Committee and
                the Shared Plans Management Committee, respectively. Ms. Guldseth has over ten years of experience at Allianz Life, including having served as the Vice President, Rewards and Performance from 2017 to 2018, the Assistant Vice President of
                Rewards and Performance from 2013 to 2017, and Manager, Human Resource Business Partner from 2010 to 2013. In these positions, she was responsible for the Performance and Compensation functions for Allianz Life and the benefits functions
                for multiple U.S.-based affiliate companies.
CORPORATE GOVERNANCE
Committees of the Board
The Executive Committee of the Board ("Executive Committee") is currently composed of Mr. Wimmer (Chair), effective January 1, 2022,
                and Ms. Jirele (who replaced Mr. White as a committee member as of September 1, 2021) and Mr. Frank. 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's By-Laws. The Executive Committee did not meet in 2021.
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The Audit Committee of the Board is currently composed of Messrs. Frank (Chair), Walker and Woolley. The Audit Committee is
                responsible for overseeing Allianz Life's accounting and financial reporting and control processes on behalf of the Board, which includes assisting with Board oversight of (1) quality and integrity of Allianz Life's financial statements,
                (2) Allianz Life's compliance with legal and regulatory requirements, (3) the qualifications, independence and fees of the independent-auditors, (4) Allianz Life's system of internal controls and (5) the performance of Allianz Life's
                internal audit function. The Board has determined that each member of the Audit Committee is financially literate. The Audit Committee met four times in 2022.
The Nomination, Evaluation and Compensation Committee (NEC Committee) is currently composed of Messrs. Walker (Chair), Frank
                and Woolley. The NEC Committee's purpose is to (1) nominate candidates for director for election, (2) evaluate the performance of officers deemed to be "principal officers," and (3) recommend to the Board the selection and compensation of
                the "principal officers." The NEC Committee met once in 2022.
Independence of Certain Directors
Allianz Life 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 required under the Model Audit Rule. Applying the independence standards of the Model Audit Rule to the current members of the Board, the Board has determined that Messrs. Frank, Walker and
                Woolley are "independent" under the Model Audit Rule.
Code of Ethics
All of our officers and employees, including our Chief Executive Officer, Chief Financial Officer and Controller, are subject to
                Allianz Life'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." For 2022, our NEOs were:
•
Walter R. White,
President and Chief Executive Officer
(1)
•
Jasmine M. Jirele
, President and Chief Executive Officer
(2)
•
William E. Gaumond
, Senior Vice President, Chief Financial Officer and Treasurer
•
Eric J. Thomes
, Senior Vice President, Chief Distribution Officer
•
Neil H. McKay
,
                    Senior Vice President, Chief Actuary
•
Gretchen Cepek
,
                    Senior Vice President, General Counsel, and Secretary
(1)
Mr. White served as President and Chief Executive Officer until September 1, 2021, he
                    then transitioned to Senior Advisor until his retirement on December 31, 2021.
(2)
Ms. Jirele has served as President and Chief Executive Officer since September 1,
                    2021, prior to that she was the Senior Vice President, Chief Growth Officer.
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
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. 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.
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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.
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, 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
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Committee. Any such decisions are made by Allianz SE, subject to review by 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.
•
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;
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•
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
                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 2022 for recommendation to the NEC Committee. Base salaries for our other NEOs for 2022 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.
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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 2022 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.
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 2022 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 2022 are included in the column entitled "All Other Compensation" in the Summary Compensation Table included in this section.
Certain Retention Arrangements
Allianz Life's offer letter to Jasmine M. Jirele included a retention bonus arrangement related to her onboarding in her capacity
                as Senior Vice President, Chief Growth Officer. The retention bonus payments will be paid through 2022 so long as she remains employed with Allianz Life, and the arrangement requires repayment of certain amounts if Ms. Jirele voluntarily
                terminates her employment within a certain period.
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.
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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 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.
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Summary Compensation Table
The following table sets forth the compensation paid by Allianz Life for the year ended December 31, 2022 to our NEOs. The
                executive compensation information in this prospectus is shown for a one-year period.
Name and Principal
Position
(a)
Year
(b)
Salary
(c)
Bonus
(d)
Stock
Awards
(e)
(3)
Non-Equity
Incentive Plan Compensation
(g)
All Other
Compensation
(i)
(4)
Total
(j)
Walter R. White
President and Chief Executive Officer
2021
$865,100
$300,000
$2,335,770
$1,557,180
$22,665
$5,080,715
Jasmine M. Jirele
(1,2)
President and Chief Executive Officer
2021
$561,958
$390,000
$1,068,303
$
712,202
$22,516
$2,754,979
William E. Gaumond
Senior Vice President, Chief Financial
Officer and Treasurer
2021
$475,900
$300,000
$
770,958
$
513,972
$22,437
$2,083,267
Eric J. Thomes
Senior Vice President, Chief Distribution
Officer
2021
$535,500
$320,000
$
867,510
$
578,340
$22,548
$2,323,898
Neil H. McKay
Senior Vice President, Chief Actuary
2021
$510,000
$
50,000
$
926,200
$
550,800
$24,397
$2,061,397
Gretchen Cepek
Senior Vice President, General Counsel and
Secretary
2021
$469,500
$
110,000
$
733,825
$
422,550
$22,167
$1,758,042
(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 2022 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
--
--
$915
$21,750
--
$22,665
Jasmine M. Jirele
2021
--
$
350
$416
$19,500
$2,250
$22,516
William E. Gaumond
2021
--
--
$687
$19,500
$2,250
$22,437
Eric J. Thomes
2021
--
--
$798
$19,500
$2,250
$22,548
Neil H. McKay
2021
$200
$1,700
$747
$21,750
--
$24,397
Gretchen Cepek
2021
--
--
$417
$21,750
--
$22,167
(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 the long-term success of Allianz Life. 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 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.
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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, 2022.
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
$1,557,180
$7,007,310
AIP Award
$0
$1,038,120
$1,557,180
Jasmine M. Jirele
3/4/2022
RSUs (under AEI)
$0
$
712,202
$3,204,909
AIP Award
$0
$
474,802
$
949,604
William E. Gaumond
3/4/2022
RSUs (under AEI)
$0
$
513,972
$2,312,874
AIP Award
$0
$
342,648
$
513,972
Eric J. Thomes
3/4/2022
RSUs (under AEI)
$0
$
578,340
$2,602,530
AIP Award
$0
$
385,560
$
578,340
Neil H. McKay
3/4/2022
RSUs (under AEI)
$0
$
550,800
$2,478,600
AIP Award
$0
$
367,200
$
550,800
Gretchen Cepek
3/4/2022
RSUs (under AEI)
$0
$
422,550
$1,901,475
AIP Award
$0
$
281,700
$
422,550
(1)
The target and maximum columns show the target award and maximum award for 2022 for
                    each NEO under the AIP. There is no threshold amount for any participant in the AIP. The actual 2022 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, 2022" for disclosure regarding the number of RSUs that are unvested as of December 31, 2022.
(3)
The target and maximum columns show the target award and maximum award for 2022 for
                    each NEO under the AEI. There is no threshold amount for any participant in the AEI. The actual 2022 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, 2022
The following table sets forth the outstanding equity awards at the December 31, 2022 fiscal year-end. The table shows RSUs granted
                pursuant to the AEI.
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
7,030
$1,637,920
5,239
$1,220,635
6,097
$1,420,540
8,139
$1,896,306
Jasmine M. Jirele
0
$
0
1,467
$
341,796
1,886
$
439,419
2,407
$
560,807
William E. Gaumond
2,039
$
475,067
1,538
$
358,339
1,948
$
453,865
2,463
$
573,854
Eric J. Thomes
492
$
114,631
457
$
106,476
1,474
$
343,427
3,625
$
844,589
Neil H. McKay
2,203
$
513,277
1,731
$
403,306
2,123
$
494,638
2,503
$
583,174
Gretchen Cepek
1,538
$
358,339
1,413
$
329,215
1,512
$
352,281
1,789
$
416,819
(1)
Represents unvested RSUs issued pursuant to the AEI. RSUs issued under the AEI during
                    2022 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 2024, 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 $232.99 per share, which was the arithmetic average
                    of the closing prices of an Allianz SE share in the electronic cash market trading system Xetra (or any successor system) on December 30, 2021 and the nine immediately preceding trading days, converted from Euros into U.S. dollars.
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Allianz SE Option Exercises and Stock Grants Vested in 2022
The following table summarizes the value received from Allianz SE stock grants vested during the year ended December 31, 2022.
Name
Stock Awards
Number of
Shares
Acquired
on Vesting (#)
Value Realized
on Vesting ($)
(1)
Walter R. White
8,161
$2,004,544
Jasmine M. Jirele
-
$
0
William E. Gaumond
1,452
$
356,647
Eric J. Thomes
617
$
151,551
Neil H. McKay
2,550
$
626,343
Gretchen Cepek
1,917
$
470,863
(1)
Represents Allianz SE RSUs that were exercised during 2022 pursuant to the AEI.
                    Amounts realized were paid in cash.
Allianz Life Executive Severance Agreement
Allianz Life entered into an Executive Severance Agreement with our 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.
Pursuant to the Executive Severance Agreement, Mr. White was entitled to a lump sum cash payment of $1,730,200 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.
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The following table shows the lump sum payments that would have been payable to each of our NEOs had they been terminated on December
                31, 2022 and been eligible for severance payments pursuant to the Executive Severance Plan.
NEOs
Lump Sum Payment
Walter R. White
(1)
$1,730,200
Jasmine M. Jirele
$1,125,000
William E. Gaumond
$
713,850
Eric J. Thomes
$
803,250
Neil H. McKay
$
765,000
Gretchen Cepek
$
704,250
(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.
Director Compensation
The following table provides information on compensation paid to the directors of Allianz Life for the year ended December 31,
                2022.
Name
Fees Earned
or Paid in
Cash
($)
(1)
Total
($)
(a)
(b)
(h)
Andreas G. Wimmer
(2)
Chair of the Board
N/A
N/A
Jasmine M. Jirele
(3)
President and Chief Executive
Officer
N/A
N/A
William E. Gaumond
(3)
Senior Vice President, Chief
Financial Officer and Treasurer
N/A
N/A
Walter R. White
(3)
Former President and Chief
Executive Officer;
Non-Independent Director
N/A
N/A
Anna Sophie Herken
(2)
Non-Independent Director
N/A
N/A
Howard E. Woolley
Independent Director
$60,000
$60,000
Kevin E. Walker
Independent Director
$60,000
$60,000
Udo Frank
Independent Director
$90,000
$90,000
(1)
Represents cash compensation provided to our independent directors that is formalized
                    in the Non-Employee Director Compensation Plan for the year ended December 31, 2022.
(2)
Mr. Wimmer (and his predecessor, Jacqueline Hunt) and Ms. Herken did not receive any
                    compensation for their services as directors since they are employed by one of our affiliates.
(3)
As employee directors, Ms. Jirele and Messrs. White and Gaumond did not receive any
                    compensation for their service as directors. The compensation Ms. Jirele and Messrs. White and Gaumond received as executive officers of Allianz Life 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 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 AZOA, which 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.
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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.
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.
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•
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.
•
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.
•
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. On November 15, 2021, the NYDFS, the regulatory authority for the insurance industry in New York, announced its expectations for insurance companies in managing the financial risks related to climate change. Compliance
                    with this guidance may increase our risk and financial reporting costs.
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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 all the jurisdictions in which we operate. Our
                operations, products and services are subject to varying 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.
Various states have also adopted laws raising the standard of care owed by broker-dealers, investment advisers, or insurance agents
                to their customers. For example, nearly 20 states have adopted the National Association of Insurance Commissioners ("NAIC") revisions to its Suitability in Annuity Transactions Model Regulation, which imposes a requirement that any
                recommendation of an annuity product be in the consumer's best interest. Some states have also adopted laws that differ from the NAIC's Suitability in Annuity Transactions Model Regulation but impose similar obligations. As changes are
                adopted by our state regulator(s) and made applicable to us or the third-party firms that distribute our products, they could have an adverse impact on our business. In states that have adopted these increased standards with respect to
                annuity recommendations, this may lead to an increased risk of regulatory enforcement actions or potentially private claims.
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
                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.
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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 the applicable state insurance regulators and
                the NAIC. State insurance regulators have 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 state insurance regulators.
Litigation and regulatory proceedings may negatively affect our financial strength and claims-paying ability.
We have been named as defendants in lawsuits (both class actions and individual lawsuits) and have been involved in various
                regulatory investigations and examinations, and we may be involved in more 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 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 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;
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•
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's and other insurance
                companies' financial strength ratings based on the agencies' overall view of the industry. It is possible that Allianz Life'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 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 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).
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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
                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
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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
[To be updated by amendment]
The statutory financial statements of Allianz Life Insurance Company of North America as of December 31, 2022 and 2021 and for each
                of the three years in the period ended December 31, 2022 included in Appendix F 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 Variable Account B of Allianz Life Insurance Company of North America
                ("Variable Account B") as of December 31, 2022 are incorporated herein by reference to Variable Account B's
Form N-VPFS
(File No. 811-05618) 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
[To be updated by amendment]
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 North America ("Allianz"). 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.
Allianz 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 products or any member of the public regarding the
                advisability of investments generally or in Allianz products particularly or the ability of the Index and Average to track general market performance. S&P Dow Jones Indices' only relationship to Allianz 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 or the products. S&P Dow Jones Indices have no obligation to take the needs of Allianz 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, but which may be similar to and competitive with Allianz 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, 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 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 North America ("Allianz"). Allianz 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 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 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 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 North America ("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 North America ("Allianz"), other than the licensing of the EURO STOXX 50
®
and the related trademarks for use in connection with Allianz products.
STOXX, Deutsche Börse Group and their licensors, research partners or data providers do
not
:
•
sponsor, endorse, sell or promote Allianz products.
•
recommend that any person invest in Allianz products or any other securities.
•
have any responsibility or liability for or make any decisions about the timing, amount or pricing
                    of Allianz products.
•
have any responsibility or liability for the administration, management or marketing of Allianz
                    products.
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•
consider the needs of Allianz products or the owners of Allianz 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 products or their performance.
STOXX does not assume any contractual relationship with the purchasers of Allianz 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 products, the owner of Allianz 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 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 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 and STOXX is solely for their benefit and not for the benefit of the owners of Allianz
                products or any other third parties.
i
Shares
®
MSCI Emerging Markets ETF
The iShares
®
MSCI Emerging Markets ETF distributed by BlackRock Investments, LLC. iShares
®
, BLACKROCK
®
, and the corresponding logos are registered trademarks of BlackRock, Inc. and its affiliates ("BlackRock") and are used under license. These trademarks have been licensed for certain purposes by Allianz Life Insurance Company of
                North America ("Allianz") and its wholly-owned subsidiaries. Products offered by Allianz or its wholly-owned subsidiaries are not sponsored, endorsed, sold or promoted by BlackRock, and purchasers of such products do not acquire any
                interest in the iShares
®
MSCI Emerging Markets ETF nor enter
                into any relationship of any kind with BlackRock. BlackRock makes no representations or warranties, express or implied, to the owners of any products offered by Allianz or its wholly-owned subsidiaries, or any member of the public regarding
                the advisability of purchasing a product from Allianz or its wholly-owned subsidiaries. BlackRock has no obligation or liability for any errors, omissions, interruptions or use of the iShares MSCI Emerging Markets ETF or any data related
                thereto, or with the operation, marketing, trading or sale of any products or services offered by Allianz and its wholly-owned subsidiaries.
Allianz Index Advantage+ NF
SM
Variable Annuity Prospectus – May 1, 2023
Appendix A
102
Appendix B – Daily
                Adjustment
Generally
We designed the Daily Adjustment to provide an Index Option Value on Business Days other than the Term Start Date or the Term End
                Date. The Daily Adjustment approximates the Index Option Value that will be available on the Term End Date. It is the estimated present value of the future Performance Credit that we will apply on the Term End Date. The Daily Adjustment
                takes into account:
(i)
any Index gains during the Term subject to the applicable Trigger Rate, Cap, and/or
                    Participation Rate,
(ii)
either any Index losses greater than the 10% or 20% Buffer, or Index losses down to the -10%
                    Floor, and
(iii)
the number of days until the Term End Date.
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 Term End Date taking into account any
                applicable Buffer, Floor, Trigger Rate, Cap, and/or Participation Rate. 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 or Floor. However, the Daily Adjustment for the Index Protection Strategy with Trigger cannot
                be negative. The Daily Adjustment for Index Options with a Term length of more than 1-year may be more negatively impacted by changes in the expected volatility of Index prices than 1-year Term Index Options due the difference in Term
                length. Also, the risk of a negative Daily Adjustment is greater for Index Options with a Term length of more than 1-year than for 1-year Term Index Options because the Buffer is exposed to a longer time period. The impact of the Cap and
                Buffer on the Daily Adjustment for a 1-year Term Index Option is greater than it is for a 3-year or 6-year Term Index Option because we apply the Cap and Buffer for the entire Term length, and the Term length is shorter for a 1-year Term.
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 Term)
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 on the Term Start Date (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 Term Start Date.
The Proxy Value is calculated differently for each Crediting Method.
For the
Index Precision
                Strategy
, the Proxy Value involves tracking two hypothetical derivatives and is calculated using the following formula:
[Trigger Rate x (at-the-money binary call)] – (out-of-the-money put)
With respect to our Proxy Value formula, we designed the at-the-money binary call to value the potential for gains equal to the
                Trigger Rate if on the Term End Date, the Index Value is greater than or equal to the Index Value on the Term Start Date, and the out-of-the-money put to value the potential for Index losses greater than the 10% Buffer for the Index
                Precision Strategy. 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 Term Start Date. This is
                because the risk that the Index Value could be lower on the Term End Date is present to some extent whether or not the current Index price on a Business Day is lower than the Index Value on the Term Start Date.
Allianz Index Advantage+ NF
SM
Variable Annuity Prospectus – May 1, 2023
Appendix B
103
For the
Index Guard
                Strategy
, the Proxy Value involves tracking four hypothetical derivatives and is calculated using the following formula:
Proxy Value = (at-the-money call) – (out-of-the-money call) – (at-the-money put) + (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 at-the-money put to value the potential for Index losses, but add back the out-of-money put to mimic the protection of the -10% Floor for the Index Guard Strategy. It is important to note that the at-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 Term Start Date. It is also important to note that the out-of-money put will almost always reduce,
                and never exceed, the negative impact of the at-the-money put for the Index Guard Strategy.
For the
Index Performance
                Strategy
, 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 subject to any applicable Participation Rate up to the Cap, and the out-of-the-money put to value the potential for Index losses greater than the 10% or 20% Buffer for the Index Performance Strategy. Similar to the Index Precision
                Strategy, 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 Term Start Date. This is because the
                risk that the Index Value could be lower on the Term End Date is present to some extent whether or not the current Index price on a Business Day is lower than the Index Value on the Term Start Date. For purposes of the Proxy Value formula
                the value of the out-of-the-money call will be zero if an Index Option is uncapped.
For the
Index Protection
                Strategy with Trigger
, the Proxy Value involves tracking one hypothetical derivative and is calculated using the following formula:
Proxy Value = Trigger Rate x (at-the-money binary call)
With respect to our Proxy Value formula, we designed the at-the-money binary call to value the potential for gains equal to the
                Trigger Rate if on the Term End Date, the Index Value is greater than or equal to the Index Value on the Term Start Date.
Calculating Proxy Interest
The proxy interest is an amount of interest that is earned to provide compensation for the cost of the Proxy Investment on the Term
                Start Date. The proxy interest is approximated by the value of amortizing the cost of the Proxy Investment over the Term to zero. The formula for proxy interest involves the calculation of (i) the beginning Proxy Value (the formula for
                which varies depending on the Crediting Method, as previously discussed) and (ii) the time remaining during a Term. The time remaining during a Term is equal to the number of days remaining in the Term divided by the Term length. Term
                length equals the number of days from the Term Start Date to the Term End Date. The proxy interest may be significantly different from current interest rates available on interest bearing investments.
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
.
Allianz Index Advantage+ NF
SM
Variable Annuity Prospectus – May 1, 2023
Appendix B
104
Appendix C – Rider Fee
                Calculation Example
Please note that this example may differ from your actual results due to rounding.
You purchase a Contract with the Maximum Anniversary Value Death Benefit. On the Quarterly Contract Anniversary your annual rider fee
                is 0.20% and your Contract Value and Charge Base are $100,000. This Contract Value includes any gains or losses on the AZL Government Money Market Fund (if applicable) 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 rider fee amount for this quarter as follows:
(the Charge Base) x (annual rider fee ÷ 365) = daily rider fee amount, or:
$100,000 x (0.20% ÷ 365) = $0.55
If there are 89 days in the current quarter (which includes the next Quarterly Contract Anniversary), then the total quarterly rider
                fee is:
(number of days in the current quarter) x (daily rider fee amount), or: 89 x $0.55 = $48.77
On the next Quarterly Contract Anniversary we would deduct $48.77 from the Contract Value. We first account for any gains/losses on
                the AZL Government Money Market Fund (if applicable) 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 rider 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 rider
                fee for the next quarter on the next day as:
(the Charge Base) x (annual rider fee ÷ 365) = daily rider fee amount, or: $101,250 x (0.20% ÷ 365) = $0.55
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 rider fee for the remainder of the quarter on the next day as:
(the Charge Base) x (annual rider fee ÷ 365) = daily rider fee amount, or: $116,250 x (0.20% ÷ 365) = $0.64
If there are 92 days in the current quarter (which includes the next Quarterly Contract Anniversary), then the total quarterly rider
                fee is:
(number of days in the current quarter) x (daily rider fee amount), or:
(43 x $0.55) + (49 x $0.64) = $23.86 + $31.21 = $55.07
On the next Quarterly Contract Anniversary we would deduct $55.07 from the Contract Value after we account for any gains/losses on
                the AZL Government Money Market Fund (if applicable) 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 rider fee and set the Charge Base equal to this new Contract Value and begin computing the daily rider fee for the next quarter on the next day.
Allianz Index Advantage+ NF
SM
Variable Annuity Prospectus – May 1, 2023
105
Appendix D – Material
                Contract Variations by State
[To be updated by amendment]
Your Contract is subject to the law of the state in which it is issued. Some of the features of your Contract may differ from the
                features of a Contract issued in another state because of state-specific legal requirements. In addition, not all features and benefits are approved in all states. All material state variations in the Contract are disclosed in this
                Appendix. If you would like more information regarding state 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.
Material State Contract Variations
ISSUE STATE
FEATURE AND BENEFITS
VARIATION
Allianz Index Advantage+ NF
SM
Variable Annuity Prospectus – May 1, 2023
Appendix D
106
Appendix E – Variable
                Investment Option Under the Contract
[To be updated by amendment]
The following includes information about the AZL Government Money Market Fund. More information about the AZL Government Money Market
                Fund is available in the fund's prospectus, which may be amended from time to time and can be found online at
allianzlife.com/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 AZL Government Money Market Fund, 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 AZL Government Money Market Fund's past performance is not necessarily an
                indication of future performance.
Investment Objectives
Variable Investment Option
and
Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of December 31, 2022)
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%
(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.
Allianz Index Advantage+ NF
SM
Variable Annuity Prospectus – May 1, 2023
Appendix E
107
Appendix F – Audited
                Selected Financial Data and Statutory Financial Statements
[To be updated by amendment]
Management's Discussion and Analysis of Financial Condition and Results of Operations (For
                the 12 month period ending December 31, 2022)
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 North America as of December 31, 2022 and 2021 and for each
                of the three years in the period ended December 31, 2022 included in this Appendix F 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+ NF
SM
Variable Annuity Prospectus – May 1, 2023
Appendix F
108
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/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 North America
P.O. Box 59060
Minneapolis, MN 55459-0060
OVERNIGHT, CERTIFIED, OR REGISTERED MAIL
Allianz Life Insurance Company of North America
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
. 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, 2024, all dealers that effect transactions in these securities may be required to deliver a prospectus.
EDGAR Contract ID No.: [To be updated by amendment]
Allianz Index Advantage+ NF
SM
Variable Annuity Prospectus – May 1, 2023
109
PART II - INFORMATION NOT REQUIRED IN PROSPECTUS
ITEM 13.  OTHER EXPENSES OF ISSUANCE AND DISTRIBUTION.
Securities and Exchange Commission Registration Fee
$ 150,785
--------------
Estimated Printing and Filing Costs:
$   30,000
--------------
Estimated Accounting Fees:
$    75,000
---------------
Estimated Legal Fees:
$        N/A
---------------
Estimated Miscellaneous Fees:
$        N/A
---------------
ITEM 14.  INDEMNIFICATION OF OFFICERS AND DIRECTORS.
The Bylaws of the Insurance Company provide:
ARTICLE XI. INDEMNIFICATION OF DIRECTORS, OFFICERS AND EMPLOYEES
SECTION 1. RIGHT TO INDEMNIFICATION:
(a)
Subject to the conditions of this Article and any conditions or limitations imposed by applicable law, the Corporation shall indemnify any employee, director or officer of the
            Corporation (an "Indemnified Person") who was, is, or in the sole opinion of the Corporation, may reasonably become a party to or otherwise involved in any Proceeding by reason of the fact that such Indemnified Person is or was:
(i)
a director of the Corporation; or
(ii)
acting in the course and scope of his or her duties as an officer or employee of the Corporation; or
(iii)
rendering Professional Services at the request of and for the benefit of the Corporation; or
(iv)
serving at the request of the Corporation as an officer, director, fiduciary or member of another corporation, association, committee, partnership, joint venture, trust, employee
            benefit plan or other enterprise (an "Outside Organization").
(b)
Notwithstanding the foregoing, no officer, director or employee shall be indemnified pursuant to these bylaws under the following circumstances:
(i)
in connection with a Proceeding initiated by such person, in his or her own personal capacity, unless such initiation was authorized by the Board of Directors;
(ii)
if a court of competent jurisdiction finally determines that any indemnification hereunder is unlawful;
(iii)
for acts or omissions involving intentional misconduct or knowing and culpable violation of law;
(iv)
for acts or omissions that the Indemnified Person believes to be contrary to the best interests of the Corporation or its shareholders or that involve the absence of good faith on the
            part of the Indemnified Person;
(v)
for any transaction for which the Indemnified Person derived an improper personal benefit;
(vi)
for acts or omissions that show a reckless disregard for the Indemnified Person's duty to the Corporation or its shareholders in circumstances in which the Indemnified Person was aware
            or should have been aware, in the ordinary course of performing the Indemnified Person's duties, of the risk of serious injury to the Corporation or its shareholders;
(vii)
for acts or omissions that constitute an unexcused pattern of inattention that amounts to an abdication of the Indemnified Person's duties to the Corporation or its shareholders;
(viii)
in circumstances where indemnification is prohibited by applicable law;
(ix)
in the case of service as an officer, director, fiduciary or member of an Outside Organization, where the Indemnified Person was aware or should have been aware that the conduct in
            question was outside the scope of the assignment as contemplated by the Corporation.
SECTION 2. SCOPE OF INDEMNIFICATION:
(a)
Indemnification provided pursuant to Section 1(a)(iv) shall be secondary and subordinate to indemnification or insurance provided to an Indemnified Person by an Outside Organization or
            other source, if any.
(b)
Indemnification shall apply to all reasonable expenses, liability and losses, actually incurred or suffered by an Indemnified Person in connection with a Proceeding, including without
            limitation, attorneys' fees and any expenses of establishing a right to indemnification or advancement under this article, judgments, fines, ERISA excise taxes or penalties, amounts paid or to be paid in settlement and all interest, assessments
            and other charges paid or payable in connection with or in respect of such expense, liability and loss.
(c)
Such indemnification shall continue as to any Indemnified Person who has ceased to be an employee, director or officer of the Corporation and shall inure to the benefit of his or her
            heirs, estate, executors and administrators.
SECTION 3. DEFINITIONS:
(a)
"Corporation" for the purpose of Article XI shall mean Allianz Life Insurance Company of North America and all of its subsidiaries.
(b)
"Proceeding" shall mean any threatened, pending, or completed action, suit or proceeding whether civil, criminal, administrative, investigative or otherwise, including actions by or in
            the right of the Corporation to procure a judgment in its favor.
(c)
"Professional Services" shall mean services rendered pursuant to (i) a professional actuarial designation, (ii) a license to engage in the practice of law issued by a State Bar
            Institution or (iii) a Certified Public Accountant designation issued by the American Institute of Certified Public Accountants.
Insofar as indemnification for liability arising under the Securities Act of 1933 may be permitted for directors and officers or controlling persons of the Insurance Company pursuant to
            the foregoing, 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, 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 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 North American Life and Casualty Company on behalf
            of NALAC Financial Plans, Inc. dated September 14, 1988 incorporated by reference as exhibit EX-99.B3.a. from Pre-Effective Amendment No.1 to Form N-4 (File Nos. 333-06709 and 811-05618), electronically filed on December 13, 1996. (North
            American Life and Casualty Company is the predecessor to Allianz Life Insurance Company of North America. 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 North
            America and Allianz Life Financial Services, LLC, dated June 1, 2010 incorporated by reference as exhibit EX-99B3b. from Pre-Effective Amendment No. 1 to Form N-4 (File Nos. 333-166408 and 811-05618), electronically filed on September 24, 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 filing on 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 August 1, 2006, of Allianz Life Insurance Company of
            North    America, filed on January 3, 2013 as Exhibit 3(a) to Registrant's initial registration on Form S-1 (File No. 333-185864), is incorporated by reference.
(b)
Bylaws, as amended and restated August 1, 2006
, of Allianz Life Insurance Company of North America, filed on
            January 3, 2013 as Exhibit 3(b) to Registrant's initial registration on Form S-1 (File No. 333-185864), is incorporated by reference.
4. (a)*
Individual Variable Annuity Contract, L40538-01
(b)*
Contract Schedule Page, S40875-01-NF   .
(c)*
Index Options Contract Schedule Page, S40877-02
(d)(i)*
Application for Individual Variable Annuity Contract – IXA-APP-04-NF
(d)(ii)*
Annuity Purchase Acknowledgment, E-APA-VAR-03
(e)(i)*
Index Performance Strategy Rider II – S40903-01
(ii)*
Index Performance Strategy Rider III – S40904-01
(f)*
Index Protection Strategy with Trigger Rider-S40879-02
(g)*
Traditional Death Benefit Rider-S40880-01
(h)*
Index Guard Strategy Rider-S40889-03.
(i)*
Index Precision Strategy Rider, S40891-02
(j)*
Performance Lock Rider (with lock and go), S40908
(k)*
Waiver of Withdrawal Charge Rider-S40749-01
(l)*
Maximum Anniversary Death Benefit Rider- S40897-01
(m)
I
nherited IRA/Roth IRA Endorsement-S40713
incorporated by reference as
            exhibit EX-99.B4.q. from Pre-Effective Amendment No. 1 to Registrant's Form N-4 (File Nos. 333-134267 and 811-05618), electronically filed on September 25, 2006.
(n)
Roth IRA Endorsement-S40342
incorporated by
            reference as exhibit EX-99.B4.l. from Pre-Effective Amendment No. 1 to Registrant's Form N-4 (File Nos. 333-134267 and 811-05618), electronically filed on September 25, 2006.
(o)
IRA Endorsement-S40014
incorporated
            by reference as exhibit EX-99.B4.g. from Pre-Effective Amendment No.1 to Registrant's Form N-4 (File Nos. 333-82329 and 811-05618), electronically filed on December 30, 1999.
(p)
Unisex Endorsement-(S20146)
incorporated by reference as exhibit EX-99.B4.h. from Pre-Effective Amendment No.1 to Registrant's Form N-4 (File Nos. 333-82329 and 811-05618), electronically filed on December 30, 1999.
5.**
Opinion re Legality
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.
(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 January 3, 2013 as Exhibit 24(b) to Registrant's initial registration on Form S-1 (File No. 333-185864), is incorporated by reference.
(b)
Form of Board
      Resolution of the Board of Directors of Allianz Life Insurance Company of North America,
effective April 14, 2014, filed on April 14, 2014 as Exhibit 24(d) to Registrant's Post-Effective Amendment No. 2 to Form S-1 (File No. 333-185864), is
incorporated by reference.
(c)*
Powers of Attorney.
25.
Not applicable
26.
Not applicable
99.
(a)
Alternative Minimum Value Exhibit
- IXA-032 (05/2020), filed on April 9, 2020 as
              Exhibit 99(a) to Registrant's initial registration on S-1 (File No. 333-237621), is incorporated by reference.
(b)
Appendix B Exhibit – Daily Adjustment Calculation
- IXA-010b (05/2021), filed on April 16, 2021, as Exhibit 99(b)
            to Registrant's initial registration on Form S-1 (File No. 333-255307), is incorporated by reference.
(c)
Transition Representation Letter
- Independent Registered Public Accounting Firm, pursuant to S-K,
            item 304, incorporated by reference as Exhibit 99(c) from Post-Effective Amendment No. 2 to Registrant's Form S-1 (File No. 333-215103), electronically filed on April 17, 2018.
107.*
Filing Fee Table
*  Filed herewith
** To be filed by amendment
(b) Financial Statement Schedules
All required financial statement schedules of Allianz Life Insurance Company of North America 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 liability arising under the Securities Act of 1933 may be permitted to directors, officers and controlling
            persons of the Registrant pursuant to the foregoing provisions, or otherwise, the registrant 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 registrant of expenses incurred or paid by a director, officer or controlling person of the registrant 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 registrant 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 21
st
day of December, 2022.
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
By:
/s/ Jasmine M. Jirele*
Jasmine M. Jirele
Chief Executive Officer, President, and Director
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 December 21 2022.
Signature
Title
Jasmine Jirele
*
Director, President & Chief Executive Officer
Andreas G. Wimmer
*
Director and Board Chair
Walter R. White
*
Director
Udo Frank
*
Director
William E. Gaumond
*
Director, Senior Vice President, Chief Financial Officer and Treasurer (principal accounting officer)
Kevin E. Walker
*
Anna Sophie Herken
*
Director
Director
Howard E. Woolley
*
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 NORTH AMERICA
INDEX TO EXHIBITS
Exhibit
Description of Exhibit
4.(a)
Individual Variable Annuity Contract, L40538-01
(b)
Contract Schedule Page, S40875-01-NF
(c)
Index Options Contract Schedule Page, S40877-02
(d)(i)
Application for Individual Variable Annuity Contract – IXA-APP-04-NF
(d)(ii)
Annuity Purchase Acknowledgment, E-APA-VAR-03
(e)(i)
Index Performance Strategy Rider II – S40903-01
(ii)
Index Performance Strategy Rider III – S40904-01
(f)
Index Protection Strategy with Trigger Rider-S40879-02
(g)
Traditional Death Benefit Rider-S40880-01
(h)
Index Guard Strategy Rider-S40889-03.
(i)
Index Precision Strategy Rider, S40891-02
(j)
Performance Lock Rider (with lock and go), S40908
(k)
Waiver of Withdrawal Charge Rider-S40749-01
(l)
Maximum Anniversary Death Benefit Rider- S40897-01
24(c)
Powers of Attorney
107
Filing Fee Table