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    <div style="text-align: left; margin-left: 11pt; line-height: 11.4pt; margin-top: 2.65pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_GoBack"></a>As filed with the Securities and Exchange Commission on April 17, 2023&#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; margin-right: 94.1pt; margin-left: 94.1pt; line-height: 15.95pt; margin-top: 3.2pt; font-family: 'Times New Roman'; font-size: 14pt; font-weight: bold;">UNITED STATES</div>
    <div style="text-align: center; margin-right: 94.1pt; margin-left: 94.15pt; line-height: 15.95pt; margin-top: 0.1pt; font-family: 'Times New Roman'; font-size: 14pt; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>
    <div style="text-align: center; margin-right: 94.1pt; margin-left: 94.05pt; line-height: 11.25pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">WASHINGTON, D.C. 20549</div>
    <div style="text-align: left; text-indent: 67.35pt; margin-right: 144.3pt; margin-left: 144.8pt; line-height: 17.95pt; margin-top: 2pt; font-family: 'Times New Roman'; font-size: 14pt; font-weight: bold;">FORM S-1 REGISTRATION STATEMENT</div>
    <div style="text-align: center; margin-right: 93.95pt; margin-left: 94.15pt; line-height: 12.5pt; font-family: 'Times New Roman'; font-size: 11pt;">UNDER THE SECURITIES ACT OF 1933</div>
    <div style="text-align: center; margin-right: 94.1pt; margin-left: 94.15pt; line-height: 15.35pt; font-family: 'Times New Roman'; font-size: 14pt; font-weight: bold;">Allianz Life Insurance Company of New York</div>
    <div style="text-align: center; margin-right: 91.85pt; margin-left: 94.15pt; line-height: 11.3pt; font-family: 'Times New Roman'; font-size: 10pt;">(Exact name of Registrant as specified in its charter)</div>
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            <div style="text-align: center; margin-left: 6.95pt; line-height: 11.4pt; font-family: 'Arial Narrow'; font-weight: bold;">New York</div>
            <div style="text-align: center; text-indent: 0.1pt; margin-left: 6.95pt; line-height: 9.1pt; font-family: 'Arial Narrow'; font-size: 8pt;">(State or other jurisdiction of incorporation or organization)</div>
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            <div style="text-align: center; margin-left: 4.1pt; line-height: 11.4pt; font-family: 'Arial Narrow'; font-weight: bold;">6311</div>
            <div style="text-align: center; text-indent: -0.2pt; margin-left: 8.6pt; line-height: 9.1pt; font-family: 'Arial Narrow'; font-size: 8pt;">(Primary Standard Industrial Classification Code Number)</div>
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            <div style="text-align: center; margin-left: 5.8pt; line-height: 11.4pt; font-family: 'Arial Narrow'; font-weight: bold;">13-3191369</div>
            <div style="text-align: center; margin-right: 5.05pt; margin-left: 5.8pt; line-height: 9.1pt; font-family: 'Arial Narrow'; font-size: 8pt;">(I.R.S. Employer</div>
            <div style="text-align: center; margin-right: 4.7pt; margin-left: 5.8pt; line-height: 9.1pt; font-family: 'Arial Narrow'; font-size: 8pt;">&#160;Identification No.)</div>
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    <div style="text-align: center; margin-right: 164.7pt; margin-left: 164.65pt; line-height: 11.85pt; margin-top: 3.65pt; font-family: 'Times New Roman'; font-size: 10pt;">1633 Broadway, 42<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">nd</sup> Floor,</div>
    <div style="text-align: center; margin-right: 164.9pt; margin-left: 164.9pt; line-height: 11.85pt; font-family: 'Times New Roman'; font-size: 10pt;">New York, New York 10019</div>
    <div style="text-align: center; margin-right: 164.9pt; margin-left: 164.9pt; line-height: 11.85pt; font-family: 'Times New Roman'; font-size: 10pt;">(212) 586-7733</div>
    <div style="text-align: left; text-indent: -187.6pt; margin-left: 198.6pt; line-height: 11.4pt; font-family: 'Times New Roman'; font-size: 10pt;">(Address, including zip code, and telephone number, including area code, of Registrant&#8217;s principal
      executive offices)</div>
    <div style="text-align: center; margin-right: 198.2pt; margin-left: 198.15pt; line-height: 11.4pt; margin-top: 6.5pt; font-family: 'Times New Roman'; font-size: 10pt;">Erik T. Nelson, Esq.</div>
    <div style="text-align: center; margin-right: 64.8pt; margin-left: 72pt; line-height: 11.85pt; margin-top: 0.5pt; font-family: 'Times New Roman'; font-size: 10pt;">Allianz Life Insurance Company of North America</div>
    <div style="text-align: center; margin-right: 6.3pt; margin-left: 9pt; line-height: 11.85pt; margin-top: 0.5pt; font-family: 'Times New Roman'; font-size: 10pt;">5701 Golden Hills Drive Minneapolis, MN 55416</div>
    <div style="text-align: center; margin-right: 94.05pt; margin-left: 94.15pt; line-height: 11.4pt; font-family: 'Times New Roman'; font-size: 10pt;">(763) 765-7453</div>
    <div style="text-align: center; text-indent: 32pt; margin-left: 11pt; line-height: 11.4pt; margin-top: 0.5pt; font-family: 'Times New Roman'; font-size: 10pt;">(Name, address, including zip code, and telephone number, including area code, of agent for
      service)</div>
    <div style="text-align: left; margin-left: 11pt; line-height: 11.4pt; margin-top: 6.5pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Approximate date of commencement of proposed sale to the public:</div>
    <div style="text-align: left; margin-left: 11pt; line-height: 11.4pt; margin-top: 0.5pt; font-family: 'Times New Roman'; font-size: 10pt;">As soon as practicable after this registration statement becomes effective.</div>
    <div style="text-align: left; margin-right: 17.3pt; margin-left: 11pt; line-height: 11.85pt; margin-top: 6.5pt; font-family: 'Times New Roman'; font-size: 10pt;">If any of the securities being registered on this Form are to be offered on a delayed or
      continuous basis pursuant to Rule 415 under the Securities Act of 1933, check the following box. [X]</div>
    <div style="text-align: left; margin-right: 17.3pt; margin-left: 11pt; line-height: 11.85pt; margin-top: 6pt; font-family: 'Times New Roman'; font-size: 10pt;">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated
      filer, a non-accelerated filer, or a smaller reporting company. See the definitions of &#8220;large accelerated filer,&#8221; &#8220;accelerated filer&#8221; and &#8220;smaller reporting company&#8221; in Rule 12b-2 of the Exchange Act.</div>
    <div style="text-align: left; margin-left: 11pt; line-height: 11.4pt; margin-top: 6pt;"><font style="font-family: 'Times New Roman'; font-size: 10pt;">Large accelerated filer</font><font class="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size: 5.02pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font style="font-family: 'Times New Roman'; font-size: 10pt;">[ &#160; ]<font class="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size: 5.03pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;
        </font>Accelerated filer<font class="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size: 5.26pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font>[&#160;&#160; ]</font></div>
    <div style="text-align: left; margin-right: 131.7pt; margin-left: 11pt; line-height: 11.9pt; margin-top: 0.5pt;"><font style="font-family: 'Times New Roman'; font-size: 10pt;">Non-accelerated filer</font><font class="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size: 5.02pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: 'Times New Roman'; font-size: 10pt;">[X]<font class="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size: 5pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font>Smaller reporting company [ &#160; ] </font></div>
    <div style="text-align: left; margin-right: 131.7pt; margin-left: 11pt; line-height: 11.9pt; margin-top: 0.5pt;"><font style="font-family: 'Times New Roman'; font-size: 10pt;">(Do not check if a smaller reporting company)</font></div>
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    <div style="text-align: left; margin-right: 51.75pt; margin-left: 7pt; line-height: 11.85pt; margin-top: 2.65pt; font-family: 'Times New Roman'; font-size: 10pt;">The Registrant hereby amends this registration statement on such date or dates as may be
      necessary to delay its effective date until the Registrant shall file a further amendment which specifically states that this registration statement shall thereafter become effective in accordance with Section 8(a) of the Securities Act of 1933 or
      until the registration statement shall become effective on such date as the Securities and Exchange Commission, acting pursuant to said Section 8(a), may determine.</div>
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    <div style="text-align: center; text-indent: 0.1pt; line-height: 17.8pt; margin-top: 2.8pt; font-family: Arial; font-size: 12pt;">PART I PROSPECTUS</div>
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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</font><font style="color:#000000;font-family:Arial;font-size:7pt;font-weight:bold;position:relative;text-transform:uppercase;top:-4.75pt;">&#174;</font><font style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;text-transform:uppercase;">
                  New York VARIABLE ANNUITY CONTRACT </font><font style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;">issued on or after January 1, 2023</font></div>
              <div style="line-height:12.0pt;margin-top:4.5pt;text-align:center;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">Issued by Allianz Life of NY Variable Account C and Allianz Life Insurance Company of New
                  York (Allianz Life of New York, we, us, our)</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="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z18e8da1014624e0aa3ad10e50474eeca">

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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-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><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;">&#174;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;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;font-style:italic;font-weight:bold;margin-left:0.0pt;">New York Variable Annuity pursuant
                              to this prospectus until the Registration Statement containing this prospectus </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;">filed with the Securities and
                              Exchange Commission is effective. This prospectus is not an offer to sell the 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-style:italic;font-weight:bold;margin-left:0.0pt;">and is 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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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 of New York. Allianz Life Financial Services, LLC distributes the Contracts.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Contract allows you to allocate your money (Purchase Payments) and any earnings among the Contract&#8217;s
                  investment options (Allocation Options), which currently include index-linked investment options (Index Options) and variable investment options (Variable Options).</font></div>
              <div>
                <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Index Options.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 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 Buffer 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. The maximum potential loss from negative Index Returns is: -90% with a 10% Buffer, -80% with
                      a 20% Buffer, and -70% with a 30% Buffer. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">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.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Each Index Option also has a Capped upside feature that puts an upper limit on positive Index Return that may be credited for a Term. Multi-year Term Index Options also
                      have a Participation Rate that may allow you to receive more than the positive Index Return.</font></div>
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                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Variable Options.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> The Variable Options performance is based on the securities in which they invest.</font></div>
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              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We expect to add or remove Variable Options, and to add Index Options, from time to time. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">With prior written notice we may also make the following Index Options temporarily unavailable on Term Start Dates occurring on or after the sixth Index
                  Anniversary:</font></div>
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                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Index Protection NY Strategy 1-year Term with 30% Buffer
                      and 3% minimum Cap; and</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
                </div>
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                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Index Performance Strategy 3-year Term with 20% Buffer,
                      12% minimum Cap, and 100% minimum Participation Rate.</font></div>
                </div>
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              </div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Temporary unavailability may last for a year or more if we are unable to support the minimum Cap due to
                  yield on investments or the availability or cost of hedging. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">We cannot make an Index Option permanently unavailable or remove it from the
                  Contract after issue. We also cannot make an Index Option temporarily unavailable before the sixth Index Anniversary, during a Term, or at any other time, or for any other reason.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">We cannot make the following Index Performance Strategy Index Options temporarily
                  unavailable:</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
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                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1-year Term with 10% Buffer and 5% minimum Cap;</font></div>
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                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">3-year Term with 10% Buffer, 15% minimum Cap, and 100%
                      minimum Participation Rate; and</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
                </div>
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                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">6-year Term with 10% Buffer, 30% minimum Cap, and 100%
                      minimum Participation Rate.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
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                <div style="clear:both;position:relative;"> </div>
              </div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We establish the Index Options that we cannot make temporarily unavailable when we issue your Contract and
                  we cannot change them. Any new Index Option we add to your Contract after issue will indicate if it can be made temporarily unavailable or not. These Buffers and minimum Caps and Participation Rates for each Index Option, respectively,
                  will not change for life of the Contract.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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;font-size:10pt;"> 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. Before investing, 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-size:10pt;font-style:italic;font-weight:bold;">The Contract&#8217;s risks are described in Risk Factors on page 17 of this prospectus.</font></div>
            </div>
            <div style="clear:both;"> </div>
            <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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;1&#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_e2230f13-1269-4602-b295-990120ceea47_2"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:38pt;width:494pt;min-height:672pt;">
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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, positively or negatively. In extreme circumstances the Daily Adjustment could result in a loss beyond the protection of the Buffer. The maximum potential loss from a negative Daily Adjustment is -99%. 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. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">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.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> If you have Index Options with different Term End Dates, there may be no time that
                  any such transaction can be performed without the application of at least one Daily Adjustment.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">A withdrawal charge also applies&#160;if you take a withdrawal within six years of your last
                  Purchase Payment.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> As such, withdrawals to pay financial adviser fees are subject to withdrawal charges, and, if withdrawn on a
                  day other than a Term End Date, we apply the Daily Adjustment (which can be negative) to the Contract Value before deducting the withdrawal.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Withdrawals will reduce the Contract Value&#160;and Guaranteed Death Benefit Value (perhaps
                  significantly and by more than the amount withdrawn), and are subject to federal and state income taxes (including a 10% additional federal tax).</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">All obligations and guarantees under the Contract, including
                  index-linked returns (Performance Credits), are the obligations of Allianz Life of New York and are subject to our claims-paying ability and financial strength.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Please read this prospectus before investing and keep it for future reference. The prospectus describes
                  all material rights and obligations of purchasers under the Contract. It contains important information about the Contract and Allianz Life of New York that you ought to know before investing. 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 currently is offered only in New York. 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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you are a new investor in the Contract, you may cancel your Contract within 10 days of receiving it
                  without paying fees or penalties. Upon cancellation, you will receive your total Contract Value. 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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">This prospectus is not intended to constitute a suitability recommendation or fiduciary advice.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;font-size:10pt;">investor.gov</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Dated: May 1, 2023</font></div>
            </div>
            <div style="clear:both;"> </div>
            <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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;2&#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_bbce94f3-5720-4e87-9b42-e528ec0584b5_va-toc_1"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:10pt;">
              <div style="line-height:11.0pt;text-align:left;"><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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
              <div style="margin-top:0.0pt;">
                <table cellspacing="0" cellpadding="0" style="empty-cells:show;width:234pt;" id="za321d4fafd91415c8bdea353f0f9da34">

                    <tr style="height:12.85pt;">
                      <td style="vertical-align:Top;width:188.93pt;" 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_edbe7069-833c-4d96-826e-f4dbf1498250_1">Glossary</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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:26.7pt;">
                      <td style="background-color:azure;vertical-align:Top;width:188.93pt;" 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_305d0118-4518-4f96-bba2-f410419346be_1">Important Information You Should
                                Consider </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_305d0118-4518-4f96-bba2-f410419346be_1">About the Contract</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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;">9</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:15.7pt;">
                      <td style="vertical-align:Top;width:188.93pt;" 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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_1">Overview of the Contract</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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;">13</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:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_1">What Is the Purpose of the Contract?</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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;">13</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_2">What Are the Phases of the Contract?</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_3">What Are the Contract&#8217;s Primary
                                Features?</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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:15.7pt;">
                      <td style="vertical-align:Top;width:188.93pt;" 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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_4">Fee Tables</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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;">16</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:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_4">Transaction Expenses</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_4">Annual Contract Expenses</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_5">Annual Variable Option Expenses</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_5">Example</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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:15.7pt;">
                      <td style="background-color:azure;vertical-align:Top;width:188.93pt;" 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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_5">Risk Factors</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_5">Liquidity Risks</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_6">Risks of Investing in Securities</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_7">Risk of Negative Returns</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_8">Managed Volatility Variable Option Risk</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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;">20</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:23.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_8">Risks Associated with Calculation of </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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_8">Performance Credits</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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;">20</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_8">Risks Associated with Performance Locks</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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;">20</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:23.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_9">Risks Associated with Substitution of an </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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_9">Index</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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:34.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_9">Risks Associated with&#160;Changes to Caps 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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_9">Participation Rates, and Temporary </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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_9">Unavailability of Index Options</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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:23.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_11">Risks Associated with Investment in </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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_11">Derivative Hedging Instruments</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:23.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_12">Risks of Deducting Financial Adviser Fees </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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_12">from the Contract</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:23.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_12">Risks Associated with Our Financial Strength </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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_12">and Claims-Paying Ability</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_12">Regulatory Protections</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:15.7pt;">
                      <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;">1.</font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Top;width:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_12">The Contract</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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;">24</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:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_13">Financial Adviser Fees</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_15">When the Contract Ends</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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:26.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_15">Ownership, Annuitant, Determining
                                Life, </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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_15">Beneficiary, and Payee</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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;">27</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:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_15">Owner</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_15">Joint Owner</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_15">Annuitant</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_16">Determining Life (Lives)</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_16">Beneficiary</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_17">Payee</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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:20.85pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_17">Assignments, Changes of Ownership 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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_17">Other Transfers of Contract Rights</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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>

                </table>
              </div>
            </div>
            <div style="float:left;margin-left:26pt;margin-top:10pt;width:234pt;min-height:650pt;">
              <div style="margin-top:0.0pt;">
                <table cellspacing="0" cellpadding="0" style="empty-cells:show;width:234pt;" id="z03ac505c8ec949639015cdae48c65663">

                    <tr style="height:12.85pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_17">Purchasing the Contract</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_17">Purchase Requirements</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_18">Applications Sent Electronically</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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:23.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_18">Allocation of Purchase Payments 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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_18">Contract Value Transfers</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_20">Automatic Investment Plan (AIP)</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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;">32</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_20">Free Look/Right to Examine Period</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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;">32</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:15.7pt;">
                      <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;">4.</font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Top;width:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_21">Valuing Your Contract</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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;">33</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:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_21">Determining Variable Account Value</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_22">How the Crediting Methods Work</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_23">Comparing Crediting Methods</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:23.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_24">Bar Chart Examples of Crediting Method </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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_24">Performance</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_26">Determining Index Option Values</a></font></div>
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                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_28">Calculating Performance Credits</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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;">40</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_29">Daily Adjustment</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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;">41</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_30">Performance Locks</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:23.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_31">Optional Reallocation Program for the 1-year </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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_31">Term Index Options</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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;">43</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:15.7pt;">
                      <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;">5.</font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Top;width:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_31">Variable Options</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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;">43</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:23.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_32">Substitution of Variable Options and Limitation </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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_32">on Further Investments</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_32">Transfers Between Variable Options</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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:23.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_33">Electronic Transfer and Allocation </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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_33">Instructions</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_33">Excessive Trading and Market Timing</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_35">Voting Privileges</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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;">47</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:15.7pt;">
                      <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;">6.</font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Top;width:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_35">Expenses</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:23.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_35">Base Contract Expenses (Mortality 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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_35">Expense Risk (M&amp;E) Charge)</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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;">47</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:23.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_35">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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_35">Expenses)</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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;">47</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_36">Withdrawal Charge</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_38">Transfer Fee</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_38">Daily Adjustment Maximum Potential Loss</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_38">Premium Tax</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_38">Income Tax</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_39">Variable Option Expenses</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:15.7pt;">
                      <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>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_39">Access to Your Money</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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;">51</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:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_40">Free Withdrawal Privilege</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_40">Systematic Withdrawal Program</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:23.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_41">Minimum Distribution Program and Required </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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_41">Minimum Distribution (RMD) Payments</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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;">53</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_41">Waiver of Withdrawal Charge Benefit</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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;">53</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_41">Suspension of Payments or Transfers</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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;">53</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:15.7pt;">
                      <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;">8.</font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_41">The Annuity Phase</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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;">53</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:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_42">Calculating Your Annuity Payments</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_42">Annuity Payment Options</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_43">When Annuity Payments Begin</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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;">55</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.85pt;">
                      <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;">9.</font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                        <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_de7acda6-c68b-4479-9498-635c7c94123f_1">Benefits Available Under the Contract</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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;">56</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;3&#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_bbce94f3-5720-4e87-9b42-e528ec0584b5_va-toc_2"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:10pt;">
              <div style="line-height:11.0pt;text-align:left;"><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:548.46pt;">
              <div style="margin-top:0.0pt;">
                <table cellspacing="0" cellpadding="0" style="empty-cells:show;width:234pt;" id="z76c624ab9a3a40f194ff76d443a069e9">

                    <tr style="height:12.85pt;">
                      <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;">10.</font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Top;width:167.93pt;">
                        <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_de7acda6-c68b-4479-9498-635c7c94123f_3">Death Benefit</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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;">58</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:12.7pt;">
                      <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:167.93pt;">
                        <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_de7acda6-c68b-4479-9498-635c7c94123f_5">Death of the Owner and/or Annuitant</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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;">60</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:23.7pt;">
                      <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:167.93pt;">
                        <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_de7acda6-c68b-4479-9498-635c7c94123f_5">Death Benefit Payment Options During 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_de7acda6-c68b-4479-9498-635c7c94123f_5">Accumulation Phase</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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;">60</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_de7acda6-c68b-4479-9498-635c7c94123f_5">Death Benefit Payment Options</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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;">60</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:15.7pt;">
                      <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;">11.</font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Top;width:167.93pt;">
                        <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_de7acda6-c68b-4479-9498-635c7c94123f_6">Taxes</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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;">61</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:12.7pt;">
                      <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:167.93pt;">
                        <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_de7acda6-c68b-4479-9498-635c7c94123f_6">Annuity Contracts in General</a></font></div>
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                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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;">61</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:12.7pt;">
                      <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:45.07pt;">
                        <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;">61</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                    <tr style="height:23.7pt;">
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                        <div style="line-height:11pt;text-align:left;">
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                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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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                        <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_de7acda6-c68b-4479-9498-635c7c94123f_8">Non-Qualified Contracts</a></font></div>
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                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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:23.7pt;">
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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_de7acda6-c68b-4479-9498-635c7c94123f_8">Non-Qualified Contracts Owned by </a></font></div>
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                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
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                          <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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                          <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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                          <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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                        <div style="line-height:11pt;text-align:left;">
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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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                      <td style="vertical-align:Bottom;width:45.07pt;">
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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="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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;">65</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                    <tr style="height:12.7pt;">
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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="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_de7acda6-c68b-4479-9498-635c7c94123f_11">Taxation of Annuity Payments</a></font></div>
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                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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;">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:34.7pt;">
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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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                      <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
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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="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_de7acda6-c68b-4479-9498-635c7c94123f_13">Multiple Non-Qualified Contracts Purchased </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;">68</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_de7acda6-c68b-4479-9498-635c7c94123f_13">Assignments, Pledges and Gratuitous </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;">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;">68</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </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;">69</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_de7acda6-c68b-4479-9498-635c7c94123f_14">Generation-Skipping Transfer Tax</a></font></div>
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                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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;">69</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_de7acda6-c68b-4479-9498-635c7c94123f_14">Foreign Tax Credits</a></font></div>
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                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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;">69</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_de7acda6-c68b-4479-9498-635c7c94123f_14">Possible Tax Law Changes</a></font></div>
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                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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;">69</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:15.7pt;">
                      <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;">12.</font></div>
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                      </td>
                      <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                        <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_de7acda6-c68b-4479-9498-635c7c94123f_14">Other Information</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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;">69</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:12.7pt;">
                      <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:167.93pt;">
                        <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_de7acda6-c68b-4479-9498-635c7c94123f_14">The Registered Separate Account</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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;">69</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_de7acda6-c68b-4479-9498-635c7c94123f_15">Our General Account</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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;">70</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_de7acda6-c68b-4479-9498-635c7c94123f_15">Our Unregistered Separate Account</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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;">70</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_de7acda6-c68b-4479-9498-635c7c94123f_15">Distribution</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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;">70</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_de7acda6-c68b-4479-9498-635c7c94123f_17">Additional Credits for Certain Groups</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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;">72</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_de7acda6-c68b-4479-9498-635c7c94123f_17">Administration/Allianz Service Center</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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;">72</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_de7acda6-c68b-4479-9498-635c7c94123f_17">Legal Proceedings</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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;">72</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:20.85pt;">
                      <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:167.93pt;">
                        <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_de7acda6-c68b-4479-9498-635c7c94123f_17">Status Pursuant to Securities Exchange Act of </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_de7acda6-c68b-4479-9498-635c7c94123f_17">1934</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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;">72</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:548.46pt;">
              <div style="margin-top:0.0pt;">
                <table cellspacing="0" cellpadding="0" style="empty-cells:show;width:234pt;" id="z989344297b564b8886a51b96333c0e06">

                    <tr style="height:12.85pt;">
                      <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;">13.</font></div>
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                      </td>
                      <td style="vertical-align:Top;width:167.93pt;">
                        <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_de7acda6-c68b-4479-9498-635c7c94123f_17">Information on Allianz Life of New
                                York</a></font></div>
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                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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;">72</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:23.7pt;">
                      <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:167.93pt;">
                        <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_de7acda6-c68b-4479-9498-635c7c94123f_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_de7acda6-c68b-4479-9498-635c7c94123f_18">Governance</a></font></div>
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                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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;">73</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:12.7pt;">
                      <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:167.93pt;">
                        <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_de7acda6-c68b-4479-9498-635c7c94123f_22">Executive Compensation</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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;">77</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:23.7pt;">
                      <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:167.93pt;">
                        <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_de7acda6-c68b-4479-9498-635c7c94123f_31">Security Ownership of Certain Beneficial </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_de7acda6-c68b-4479-9498-635c7c94123f_31">Owners and Management</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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;">86</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:23.7pt;">
                      <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:167.93pt;">
                        <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_de7acda6-c68b-4479-9498-635c7c94123f_31">Transactions with Related Persons, </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_de7acda6-c68b-4479-9498-635c7c94123f_31">Promoters and Certain Control Persons</a></font></div>
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                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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;">86</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:23.7pt;">
                      <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:167.93pt;">
                        <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_de7acda6-c68b-4479-9498-635c7c94123f_31">Business and Operational Risks Relevant to </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_de7acda6-c68b-4479-9498-635c7c94123f_31">the Contract</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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;">86</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:15.7pt;">
                      <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:167.93pt;">
                        <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_de7acda6-c68b-4479-9498-635c7c94123f_39">Financial Statements</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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;">94</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:15.7pt;">
                      <td style="background-color:azure;vertical-align:Top;width:188.93pt;" 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_dcd10c10-995a-4068-8998-b5fbaa0336d9_1">Appendix A &#8211; Available Indexes</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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;">95</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:12.7pt;">
                      <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:167.93pt;">
                        <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_dcd10c10-995a-4068-8998-b5fbaa0336d9_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_dcd10c10-995a-4068-8998-b5fbaa0336d9_1">&#174;</a></font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_dcd10c10-995a-4068-8998-b5fbaa0336d9_1"> Index</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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;">95</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_dcd10c10-995a-4068-8998-b5fbaa0336d9_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_dcd10c10-995a-4068-8998-b5fbaa0336d9_1">&#174;</a></font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_dcd10c10-995a-4068-8998-b5fbaa0336d9_1"> Index</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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;">95</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_dcd10c10-995a-4068-8998-b5fbaa0336d9_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_dcd10c10-995a-4068-8998-b5fbaa0336d9_2">&#174;</a></font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_dcd10c10-995a-4068-8998-b5fbaa0336d9_2"> Index</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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;">96</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12.7pt;">
                      <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:167.93pt;">
                        <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_dcd10c10-995a-4068-8998-b5fbaa0336d9_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_dcd10c10-995a-4068-8998-b5fbaa0336d9_2">&#174;</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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;">96</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:15.7pt;">
                      <td style="vertical-align:Top;width:188.93pt;" 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_0d8395aa-efa1-455f-99fa-6241c164bbdb_1">Appendix B &#8211; Daily Adjustment</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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;">98</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:26.7pt;">
                      <td style="background-color:azure;vertical-align:Top;width:188.93pt;" 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_4f500804-e73c-41d1-9014-b43360103a62_1">Appendix C &#8211; Variable Options Available
                                Under </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_4f500804-e73c-41d1-9014-b43360103a62_1">the Contract</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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:26.7pt;">
                      <td style="vertical-align:Top;width:188.93pt;" 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_f7379ebe-57eb-4e92-b7f3-1ccf78c6c7e1_1">Appendix D &#8211; 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_f7379ebe-57eb-4e92-b7f3-1ccf78c6c7e1_1">Statutory Financial Statements</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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;">101</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:45.7pt;">
                      <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:167.93pt;">
                        <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_f7379ebe-57eb-4e92-b7f3-1ccf78c6c7e1_1">Management&#8217;s Discussion and Analysis of </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_f7379ebe-57eb-4e92-b7f3-1ccf78c6c7e1_1">Financial Condition and Results of </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_f7379ebe-57eb-4e92-b7f3-1ccf78c6c7e1_1">Operations (For the 12 month period </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_f7379ebe-57eb-4e92-b7f3-1ccf78c6c7e1_1">ending December 31, 2022)</a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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:12.7pt;">
                      <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:167.93pt;">
                        <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_f7379ebe-57eb-4e92-b7f3-1ccf78c6c7e1_1">Statutory Financial Statements</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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:15.7pt;">
                      <td style="background-color:azure;vertical-align:Top;width:188.93pt;" 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_f7379ebe-57eb-4e92-b7f3-1ccf78c6c7e1_1">For Service or More Information </a></font></div>
                        </div>
                      </td>
                      <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                        <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;">Back Cover</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:9.85pt;">
                      <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:167.93pt;">
                        <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_f7379ebe-57eb-4e92-b7f3-1ccf78c6c7e1_1">Our Service Center</a></font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:45.07pt;">
                        <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;">Back Cover</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="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:115.54pt;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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;4&#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_edbe7069-833c-4d96-826e-f4dbf1498250_1"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:13.0pt;text-align:left;">
                <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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Accumulation Phase</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Allocation Options</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#8211; the Variable Options and Index Options available to you under the Contract.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Annuitant</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">
                  &#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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Annuity Date</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#8211; the date we begin making Annuity Payments to the Payee from the Contract. The earliest available Annuity Date is 13 months after the Issue Date, and the latest possible Annuity Date is either age 90 or age 100
                  depending on the requirements of the Financial Professional you purchased your Contract through.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Annuity Options</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#8211; the annuity income options available to you under the Contract.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Annuity Payments</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Annuity Phase</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#8211; the phase the Contract is in once Annuity Payments begin.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Beneficiary</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#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:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Buffer</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#8211;
                  for each Index Option, 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-size:10pt;font-weight:bold;text-decoration:underline;">not</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> apply the Buffer annually on a 3-year
                  or&#160;6-year Term Index Option. The Index Protection NY Strategy Buffers are 30%, and Index Performance Strategy Buffers are either 10% or 20%. Buffers do not change.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Business Day</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#8211; each day on which the New York Stock Exchange is open for trading. Allianz Life of New York is open for business on each day that the New York Stock Exchange is open. Our Business Day ends when regular trading on
                  the New York Stock Exchange closes, which is usually at 4:00 p.m. Eastern Time.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Cap</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#8211;
                  for any Index Option, 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-size:10pt;font-weight:bold;text-decoration:underline;">not</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">
                  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 available Index Option. The Caps applicable to your Contract are shown on the Index Options Statement.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Contract</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">
                  &#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:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Contract Anniversary</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#8211; a twelve-month anniversary of the Issue Date or any subsequent Contract Anniversary.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Contract Value</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#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 a Variable Option. Index Option Value is increased or decreased on each Term End Date to reflect Performance Credits, which can be negative. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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-size:10pt;"> The Index Option Values also
                  reflect the Daily Adjustment on every Business Day other than the Term 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
                  surrender. The cash surrender value reflects&#160;all Contract fees and expenses we would apply on surrender.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Contract Year</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Crediting Method</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#8211; a method we use to calculate Performance Credits if you allocate Purchase Payments or transfer Contract Value to an Index Option.</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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;5&#8201;</font></div>
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              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Daily Adjustment</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#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.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Determining Life (Lives)</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#8211; the person(s) designated at Contract issue and named in the Contract on whose life we base the guaranteed Traditional Death Benefit.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Financial Professional</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#8211; the person who advises you regarding the Contract.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Good Order</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">
                  &#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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Guaranteed Death Benefit Value</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#8211; the guaranteed value that is available to your Beneficiary(s) on the first death of any Determining Life during the Accumulation Phase. The Guaranteed Death Benefit Value is total Purchase Payments reduced
                  proportionately for withdrawals you take (including any withdrawal charge). All withdrawals you take reduce the Guaranteed Death Benefit Value, even Penalty-Free Withdrawals, and any financial adviser fees that you choose to have us pay
                  from this Contract. However, we do not reduce the Guaranteed Death Benefit Value for deductions we make for Contract fees and expenses.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Index (Indexes)</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#8211; one (or more) of the nationally recognized third-party broad based equity securities price return Indexes available to you under your Contract as described in Appendix A.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Index Anniversary</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#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;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Index Effective Date</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Index Option</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#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 a Buffer amount.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Index Option Base</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#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:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Index Option Value</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#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:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Index Options Statement</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#8211; the account statement we mail to you on the Index Effective Date and each Index Anniversary thereafter. On the Index Effective Date, the statement shows the initial Index Values, Caps 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 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 the applicable&#160;Buffer 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:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Index Performance Strategy</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#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 </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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
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              <div style="line-height:12.0pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Index Performance Strategy provides the highest potential returns. Its Caps will generally be greater than the Index
                  Protection NY Strategy Caps. The Index Performance Strategy is more sensitive to large negative market movements because small negative market movements are absorbed by the 10% or 20% Buffer.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Index Protection NY Strategy</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#8211; one of the Crediting Methods described in section 4, Valuing Your Contract. The Index Protection NY Strategy calculates Performance Credits based on Index Returns subject to a Cap and 30% Buffer. You can receive
                  negative Performance Credits under this Crediting Method, which means you can lose principal and previous earnings. The Index Protection NY Strategy provides more protection than the Index Performance Strategy. It generally has higher
                  Buffers in exchange for lower Caps.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Index Return</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Index Value</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Index Year</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Issue Date</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Joint Owners</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#8211; the two person(s) designated at Contract issue and named in the Contract who may exercise all rights granted by the Contract.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Lock Date</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">
                  &#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-size:10pt;font-weight:bold;text-decoration:underline;">includes</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Daily Adjustment) before the Term End Date.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Non-Qualified Contract</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Owner</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Participation Rate</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#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-size:10pt;font-weight:bold;text-decoration:underline;">not</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 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-size:10pt;font-weight:bold;text-decoration:underline;">not</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">
                  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:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Payee</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#8211;
                  the person or entity who receives Annuity Payments during the Annuity Phase.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Penalty-Free Withdrawals</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Performance Credit</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#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 the Buffer if returns are negative. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">If Performance Credits are negative,</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> you can lose principal and previous earnings.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Performance Lock</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#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 Term and the locked Index Option Value will not receive a Performance Credit on the Term End Date.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Proxy Investment</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#8211; provides a current estimate of what the Performance Credit will be on the Term End Date taking into account any applicable Buffer, 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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Proxy Value</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">
                  &#8211; the hypothetical value of the Proxy Investment used to calculate the Daily Adjustment as discussed in Appendix B.</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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;7&#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_edbe7069-833c-4d96-826e-f4dbf1498250_4"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Purchase Payment</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#8211; the money you put into the Contract.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Qualified Contract</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#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/403(b) Contracts). Currently, we issue Qualified Contracts that may include, but are not limited to Roth IRAs, traditional IRAs and Simplified Employee Pension (SEP) IRAs. We may also issue an
                  Inherited IRA and Inherited Roth IRA to make any required minimum distribution payments to a beneficiary of a previously held tax-qualified arrangement.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Quarterly Contract Anniversary</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Separate Account</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#8211; Allianz Life of NY Variable Account C is the Separate Account that issues the variable investment portion of your Contract. It is a separate investment account of Allianz Life of New York. The Separate Account
                  holds the Variable Options that underlie the Contracts. The Separate Account is divided into subaccounts, each of which invests exclusively in a single Variable Option. The Separate Account is registered with the SEC as a unit investment
                  trust, and may be referred to as the Registered Separate Account.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Service Center</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Term </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#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;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Term End Date &#8211; </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Term Start Date &#8211; </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The day on which a Term begins and we set the 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.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Traditional Death Benefit</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Valid Claim</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">
                  &#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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Variable Account Value</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#8211; on any Business Day it is equal to the portion of your Contract Value in your selected Variable Options. The Variable Account Value increases and decreases based on your selected Variable Options&#8217; performance and
                  reflects deduction of the Variable Option operating expenses, and previous deductions we made for Contract fees and expenses.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Variable Options</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#8211; the variable investments available to you under the Contract. Variable Option performance is based on the securities in which they invest.</font></div>
              <div style="line-height:10.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Withdrawal Charge Basis</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> &#8211; the total amount under your Contract that is subject to a withdrawal charge as discussed in section 6, Expenses &#8211; Withdrawal Charge.</font></div>
            </div>
            <div 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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;8&#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_305d0118-4518-4f96-bba2-f410419346be_1"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:13.0pt;text-align:left;">
                <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:0.0pt;">
                <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="z442624b66f074c02ad7353dcdac6904b">

                    <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:170pt;">
                      <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% of the
                              Purchase Payment withdrawn, </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;">declining to 0% over that time period. For example, if you invest
                              $100,000 in 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;">and make an early withdrawal, you could pay a withdrawal charge of
                              up to $8,000.</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 the Index Option
                              Value available 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;">withdrawal. The Daily Adjustment also applies if before the Term
                              End Date you 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:0.0pt;">Performance Lock, annuitize the Contract, we pay a death benefit,
                              or we deduct 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;">fees and expenses. A Term is the time period we use to measure
                              Index performance. 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;">offer 1-year, 3-year, and 6-year Terms. The Daily Adjustment may
                              be positive, negative, or </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;">equal to zero. A negative Daily Adjustment will result in loss. In
                              extreme circumstances, 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;">negative Daily Adjustment could result in a loss beyond the
                              protection of the Buffer. 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 potential loss from a negative Daily Adjustment is -99%.&#160;</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:49pt;">
                      <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;">In addition to 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 from the Index Options, we will also charge you
                              a fee of $25 per 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;">after you exceed 12 transfers between Variable Options in a
                              Contract Year.</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;">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;">Transfer Fee</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:82pt;">
                      <td style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;" rowspan="4">
                        <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;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="4">
                        <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 C &#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;">Options</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;">Under 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>
                      </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;">1.26%</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;">1.26%</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: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 Option fees and 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;">0.66%</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;">0.88%</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:38pt;">
                      <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: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></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;">Not Applicable</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;">Not Applicable</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: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 each Variable Option&#8217;s net asset value, plus an
                              amount attributable to the estimated </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;">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:12pt;">
                      <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: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:2.375pt;padding-top:2.375pt;vertical-align:Top;width:343pt;" colspan="3">
                        <div style="line-height:10.0pt;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:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">(2)</font>
                            <div style="clear:right;"> </div>
                          </div>
                        </div>
                        <div style="line-height:10.0pt;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 Variable Option&#8217;s average daily net assets.</font></div>
                        </div>
                      </td>
                      <td style="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>

                </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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;9&#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_305d0118-4518-4f96-bba2-f410419346be_2"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="margin-top:0.0pt;">
                <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="z88b61aa2333141afbb378540296ddf7c">

                    <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:82pt;">
                      <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 </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 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;"> </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;">$1,762</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;">$1,944</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:93pt;">
                      <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</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;">Least expensive Variable 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:9.0pt;">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: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;">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</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;">Most expensive Variable 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:9.0pt;">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: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;">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 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:225pt;">
                      <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;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;Withdrawals are subject to income taxes, including a 10%
                              additional federal tax 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:7.34pt;">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;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: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 &#160;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:71pt;">
                      <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;">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-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;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 Variable Options and
                              the 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:7.34pt;">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;Each Variable Option and Index Option has its own unique 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 each Variable Option&#8217;s prospectus and
                              disclosures, including risk </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;">factors, before making an investment decision.</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:56pt;">
                      <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;">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-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 of New York 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;">are subject to our claims-paying ability and financial strength.
                              More information about </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;">Allianz Life of New York, including our financial strength
                              ratings, is available upon request </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;">by visiting </font><font style="color:#0000FF;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">allianzlife.com/new-york/about/why-allianz</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>
                      </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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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_305d0118-4518-4f96-bba2-f410419346be_3"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="margin-top:0.0pt;">
                <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="za05a8049e71a4101b1e91b7a1100ccff">

                    <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;">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: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:368pt;">
                      <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;The first 12 transfers between Variable Options every Contract
                              Year are free. After 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;">we deduct a $25 transfer fee for each additional transfer. Your
                              transfers between 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;">Variable Options are also subject to policies designed to deter
                              excessively frequent </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;">transfers and market timing.</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 only allow assets to move into the Index Options on the Index
                              Effective Date and 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:7.34pt;">subsequent Index Anniversaries as discussed in section 3,
                              Purchasing the Contract &#8211; </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;">Allocation of Purchase Payments and Contract Value Transfers.</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;For a 1-year Term Index Option, you can transfer Index Option
                              Value only on the 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;">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;">&#8226;&#8194;For a 3-year or 6-year Term Index Option, you can transfer Index
                              Option Value only (a) 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:7.34pt;">the Term End Date, or (b) before the Term End Date by executing a
                              Performance Lock 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:7.34pt;">or before the second Index Anniversary of a 3-year Term, or on or
                              before the fifth 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;">Anniversary of a 6-year 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: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;With prior written notice we may make the Index Protection NY
                              Strategy 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:7.34pt;">and Index Performance Strategy 3-year Term with 20% Buffer Index
                              Options temporarily </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;">unavailable for a year or more on Term Start Dates occurring on
                              or after the sixth 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;">Anniversary if we are unable to support the minimum Cap on that
                              Index Option. However, </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;">we cannot make the Index Performance Strategy 1-year Term, 3-year
                              Term with 10% </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;">Buffer, or 6-year Term Index Options temporarily unavailable.
                              Once we make an 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;">Option unavailable, it may continue to be unavailable so long as
                              we are unable to support </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;">its minimum Cap due to yield on investments or the availability
                              or cost of hedging. </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;">However, we cannot permanently eliminate Index Options after we
                              issue 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;">and a temporarily unavailable Index Option will become available
                              once we can support its </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;">minimum Cap. Although we cannot eliminate an Index Option from
                              your Contract, 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;">reserve the right to substitute Indexes either on a Term Start
                              Date or during a 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:0.0pt;">&#8226;&#8194;We reserve the right to close or substitute the Variable
                              Options. We can also decline 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;">Purchase Payment if it does not meet the requirements set out in
                              section 3, Purchasing </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 Contract &#8211; Purchase Requirements.</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. 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;">Options</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;">Transfer Fee</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: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;">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;">The Contract does not offer any Optional Benefits.</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: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:115pt;">
                      <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 a Non-Qualified Contract may be taxed at ordinary
                              income rates when </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;">withdrawn, and you may have to pay a 10% additional federal tax
                              if you take a full or </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;">partial withdrawal 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: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Generally, distributions from Qualified Contracts are taxed at
                              ordinary income tax rates </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;">when withdrawn, and you may have to pay a 10% additional federal
                              tax if withdrawn </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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;11&#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_305d0118-4518-4f96-bba2-f410419346be_4"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="margin-top:0.0pt;">
                <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="z38a0997fc2464385b3d242f6c87cd905">

                    <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;text-align:left;"> </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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_1"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:13.0pt;text-align:left;">
                <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;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Allianz Index Advantage</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;font-size:10pt;"> New York is a product that offers Index Options&#160;and Variable Options and allows you to defer taking
                  regular fixed periodic payments </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(Annuity Payments)</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> to a future
                  date. Under the Contract, you make one or more Purchase Payments. Purchase Payments you allocate to the Index Options are first invested for a limited time in the AZL Government Money Market Fund and then transferred to the Index
                  Option(s) that you select for investment. Depending on several factors (e.g., Allocation Options you select, market conditions, and timing of any withdrawals), your Contract can gain or lose value. When you are ready to receive a
                  guaranteed stream of income under your Contract, you can annuitize your accumulated assets and begin receiving Annuity Payments from us based on the payout option you select </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(Annuity Options)</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">. The Contract includes for no additional charge a standard death benefit (the Traditional Death
                  Benefit) that helps to financially protect your beneficiaries.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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). If you have
                  Index Options with different Term End Dates, there may be no time you can take a withdrawal without application of at least one Daily Adjustment.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_2"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Accumulation Phase.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Your Contract Value may fluctuate up or down during the Accumulation Phase based on the
                  performance of your selected Allocation Options.</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;text-align:left;width:10.63pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8722;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Index Options.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> You may allocate your Purchase Payments to any or all of the Index Options available under your Contract. There are currently a maximum of 14 Index Options based on
                      different combinations of two credit calculation methods </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(Crediting Methods)</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">, four nationally recognized third-party broad based equity securities price return Indexes, and three Term periods for measuring Index performance. Each Index Option is the combination of an Index, a Crediting
                      Method, a Term length, and a Buffer amount. With prior written notice we may make the Index Protection NY Strategy Index Options and Index Performance Strategy 3-year Term with 20% Buffer Index Options temporarily unavailable for a
                      year or more on Term Start Dates occurring on or after the sixth Index Anniversary if we are unable to support the minimum Cap due to yield on investments or the availability or cost of hedging. However, we cannot make the following
                      Index Performance Strategy Index Options temporarily unavailable: 1-year Term with 10% Buffer, 3-year Term with 10% Buffer, or 6-year Term with 10% Buffer. Once we make an Index Option temporarily unavailable, it may continue to be
                      unavailable so long as we are unable to support its minimum Cap. However, we cannot make an Index Option permanently unavailable or remove it after we issue your Contract, and a temporarily unavailable Index Option will become
                      available once we can support its minimum Cap.</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;text-align:left;"> </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="z20b446ff805f4cb7b3f7777f6dc50e74">

                    <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: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></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,</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;">Term Lengths and Buffers</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:80pt;">
                        <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;">Can Be Made</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;">Temporarily</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;">Unavailable</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:140pt;">
                        <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:133.5pt;">
                        <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:48.5pt;">
                      <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: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 Protection NY 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 30% Buffer</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:80pt;">
                        <div style="line-height:12.5pt;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;">Yes</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:140pt;">
                        <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 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>
                      </td>
                      <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:133.5pt;">
                        <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;3% minimum Cap</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:48.5pt;">
                      <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: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;">1-year Term with 10% Buffer</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:80pt;">
                        <div style="line-height:12.5pt;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;">No</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:140pt;">
                        <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 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>
                      </td>
                      <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:133.5pt;">
                        <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>
                      </td>
                    </tr>
                    <tr style="height:60pt;">
                      <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 10% Buffer</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:80pt;">
                        <div style="line-height:12.5pt;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;">No</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:140pt;">
                        <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:133.5pt;">
                        <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;15% 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 </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;">not declare a Cap for that Term)</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 </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;">Rate</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:48.5pt;">
                      <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: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>
                      </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:80pt;">
                        <div style="line-height:12.5pt;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;">Yes</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:140pt;">
                        <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:133.5pt;">
                        <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;12% 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 </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;">Rate</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:45.5pt;">
                      <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:80pt;">
                        <div style="line-height:12.5pt;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;">No</font></div>
                        </div>
                      </td>
                      <td style="border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:140pt;">
                        <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:133.5pt;">
                        <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;30% 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 </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;">Rate</font></div>
                        </div>
                      </td>
                    </tr>

                </table>
              </div>
              <div style="line-height:12.0pt;margin-left:28pt;margin-top:9pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Your initial and renewal Caps and Participation Rates for your selected Index Options and
                  their Buffer are stated in your Index Options Statement, which is the account statement we mail to you on the Index Effective Date and each Index Anniversary. The Index Options Statement also includes the Index Values on the Term Start
                  Date and Term End Date for your selected Index Options. We use these Index Values to determine Index Returns and Performance Credits. The Buffer for all currently available Index Options are stated in your Contract. The Buffer for the </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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;14&#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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">currently available Index Options will not change for the life of the Contract. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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;font-size:10pt;line-height:12pt;"> </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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;text-align:left;width:10.63pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8722;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Variable Options.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> You can allocate your Purchase Payments to any or all of the Variable Options available under your Contract. We only allow assets to move into the Index Options on the
                      Index Effective Date and on subsequent Index Anniversaries. As a result, we hold Purchase Payments you allocate to the Index Options in the AZL Government Money Market Fund until we transfer them to the Index Options in accordance
                      with your instructions. The Variable Options are underlying mutual funds with their own investment objectives, strategies, and risks. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">For more information, please see Appendix C - Variable Options Available Under the Contract.</font></div>
                </div>
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              </div>
              <div>
                <div style="clear:both;margin-top:5.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Annuity Phase.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> If you request Annuity Payments, the Accumulation Phase ends and the </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Annuity

                      Phase</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 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). 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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">During the Annuity Phase, you will receive a stream of regular income in the form of
                  Annuity Payments. You will be unable to take withdrawals upon demand, the Traditional Death Benefit ends, and no amounts will be payable upon death during the Annuity Phase unless your Annuity Option provides otherwise.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Accessing Your Money.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> During the Accumulation Phase, you can surrender (take a full withdrawal) the Contract or take partial withdrawals. Withdrawals may be subject to negative Daily
                      Adjustments, and are subject to a withdrawal charge 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;font-size:10pt;">&#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-size:10pt;">.</font></div>
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                <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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Additional Purchase Payments.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Subject to the limitations described in this prospectus, we continue to accept additional Purchase Payments under the Contracts during the Accumulation Phase. We only
                      allow additional Purchase Payments to move into Index Options on Index Anniversaries. As a result, we hold Purchase Payments&#160;you allocate to the Index Options that 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>
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                <div style="clear:both;position:relative;"> </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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Death Benefit.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 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-size:10pt;font-weight:bold;">(the Traditional Death Benefit)</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">.
                      The death benefit equals the greater of Contract Value, or the Guaranteed Death Benefit Value (which is based on Purchase Payments).</font></div>
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                <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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Withdrawal Charge Waivers.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Under the free withdrawal privilege, you may withdraw up to 10% of your total Purchase Payments each Contract Year during the Accumulation Phase without incurring a
                      withdrawal charge. Upon a full withdrawal, the free withdrawal privilege is not available to you. We do not apply a withdrawal charge to deductions we make for Contract fees or expenses. The waiver of withdrawal charge benefit&#160;allows
                      you to take a withdrawal after the first Contract Year without incurring a withdrawal charge if you are confined to a nursing home for a period of at least 90 consecutive days. Also, if you own an IRA, Simplified Employee Pension
                      (SEP)&#160;IRA, Inherited IRA, or&#160;Inherited Roth IRA Contract, payments you take under our minimum distribution program (RMD payments) are not subject to a withdrawal charge. The minimum distribution program is not available if you have a
                      qualified plan Contract. Withdrawals under these waivers are still 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;font-size:10pt;">&#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-size:10pt;">), and to the Daily Adjustment if taken other than on a Term End Date, and may reduce Contract benefits (perhaps significantly and by more than the amount withdrawn).</font></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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Deduction of Financial Adviser Fees.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 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 are subject to withdrawal charges, and to the Daily Adjustment if taken other than on a Term End Date, will reduce the Contract Value and Guaranteed Death Benefit
                      Value (perhaps significantly and by more than the amount withdrawn), and are 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;font-size:10pt;">&#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-size:10pt;">). </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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>
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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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;15&#8201;</font></div>
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            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:13.0pt;text-align:left;">
                <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;">Fee Tables</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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. 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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Transaction Expenses</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;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;font-size:10pt;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>
              <div style="line-height:0.0pt;text-align:left;"> </div>
              <div style="margin-top:0.0pt;">
                <table cellspacing="0" cellpadding="0" style="empty-cells:show;margin-left:134.76pt;width:224.48pt;" id="z3974b8d2da6242d68a43eb5c5e8ea76f">

                    <tr style="height:22.75pt;">
                      <td style="padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:111.12pt;">
                        <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 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>
                        </div>
                      </td>
                      <td style="padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:113.36pt;">
                        <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 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:111.12pt;">
                        <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:113.36pt;">
                        <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%</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:11pt;">
                      <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;width:111.12pt;">
                        <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:113.36pt;">
                        <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;">7%</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:11pt;">
                      <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;width:111.12pt;">
                        <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:113.36pt;">
                        <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;">6%</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:11pt;">
                      <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;width:111.12pt;">
                        <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:113.36pt;">
                        <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;">5%</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:11pt;">
                      <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;width:111.12pt;">
                        <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:113.36pt;">
                        <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;">3%</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:11pt;">
                      <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;width:111.12pt;">
                        <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:113.36pt;">
                        <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;">1%</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:9pt;">
                      <td style="padding-bottom:1pt;padding-top:2pt;vertical-align:Top;width:111.12pt;">
                        <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:113.36pt;">
                        <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;">0%</font></div>
                        </div>
                      </td>
                    </tr>

                </table>
              </div>
              <div style="line-height:0.0pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:1pt;margin-left:0%;">&#8195;</font></div>
              <div style="margin-top:0.0pt;">
                <table cellspacing="0" cellpadding="0" style="empty-cells:show;width:321.68pt;" id="z2ec22a9c2f514014b4765a107ba1156d">

                    <tr style="height:9pt;">
                      <td style="vertical-align:Top;width:302pt;">
                        <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;font-weight:bold;margin-left:0.0pt;">Transfer Fee</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Top;width:19.68pt;">
                        <div style="line-height:12pt;text-align:left;">
                          <div style="margin-left: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$25</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:9pt;">
                      <td style="vertical-align:Top;width:302pt;">
                        <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:10pt;">(for each transfer between Variable Options after twelve in a Contract Year)</font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Top;width:19.68pt;">
                        <div style="line-height:0.5pt;text-align:left;">
                          <div style="margin-left: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                        </div>
                      </td>
                    </tr>

                </table>
              </div>
              <div style="line-height:0.0pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:1pt;">&#8195;</font></div>
              <div style="line-height:0.0pt;text-align:left;"> </div>
              <div style="margin-top:0.0pt;">
                <table cellspacing="0" cellpadding="0" style="empty-cells:show;width:494pt;" id="zbfcf84d75c5c4350888641b21fff99b4">

                    <tr style="height:22.5pt;">
                      <td style="padding-bottom:3.5pt;padding-top:3.5pt;vertical-align:Bottom;width:361.34pt;">
                        <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:132.66pt;">
                        <div style="line-height:13.0pt;text-align:left;">
                          <div style="border-bottom:0.5pt solid #000000;margin-left:1pt;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 NY Strategy 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 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:361.34pt;">
                        <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:132.66pt;">
                        <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;">99%</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:21pt;">
                      <td style="padding-top:2pt;vertical-align:Top;width:361.34pt;">
                        <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 from an Index Option
                              before </font></div>
                          <div style="margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18pt;">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;">(4)</font>
                            <div style="clear:right;"> </div>
                          </div>
                        </div>
                      </td>
                      <td style="padding-top:2pt;vertical-align:Top;width:132.66pt;">
                        <div style="line-height:0.5pt;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;">&#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;text-align:left;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;text-align:left;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;text-align:left;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;text-align:left;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;text-align:left;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;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">We count all transfers made in the same Business Day as one transfer, as
                      discussed in section 6, Expenses &#8211; Transfer Fee. The transfer fee does not apply to transfers to or from the Index Options and these transfers do not count against your free transfers. Transfers are subject to the policies discussed
                      in section 5, Variable Options &#8211; Excessive Trading and Market Timing.</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;text-align:left;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;text-align:left;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%, 20%, or 30%
                      Buffer. 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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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 Variable Option fees and expenses).</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;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:0.0pt;">
                <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="zf9aeacda9bdf448da8cde892a2008ee6">

                    <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;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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;">Base Contract Expenses</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: 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 each Variable Option&#8217;s net asset value)</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;">1.25%</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;text-align:left;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;text-align:left;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. Also waived during the Annuity Phase. See the section 6, Expenses &#8211; Contract Maintenance Charge (Administrative Expenses).</font></div>
                </div>
                <div style="clear:both;position:relative;"> </div>
              </div>
              <div>
                <div style="clear:both;margin-top:1.0pt;position:relative;width:100%;">
                  <div style="float:left;line-height:10pt;text-align:left;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;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">Referred to as the &#8220;mortality and expense risk charge&#8221; in the Contract, or
                      "M&amp;E charge" elsewhere in this prospectus. See section 6, Expenses &#8211; Base Contract Expenses (Mortality and Expense Risk (M&amp;E) Charge).</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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_5"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The next table shows the minimum and maximum total operating expenses charged by the
                  Variable Options that you may pay periodically during the time that you own the Contract. A complete list of Variable Options available under the Contract, including their annual expenses, may be found in Appendix C &#8211; Variable Options
                  Available Under the Contract.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Annual Variable Option Expenses</font><font style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;">&#8195;</font></div>
              <div style="line-height:0.0pt;text-align:left;"> </div>
              <div style="margin-top:0.0pt;">
                <table cellspacing="0" cellpadding="0" style="empty-cells:show;width:494pt;" id="z8938fe6329d542b79e21601fc0d9d53e">

                    <tr style="height:10.5pt;">
                      <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:405.23pt;">
                        <div style="line-height:0.5pt;text-align:left;">
                          <div style="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;font-weight:bold;">&#160;</font></div>
                        </div>
                      </td>
                      <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:44.97pt;">
                        <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;">Minimum</font></div>
                          </div>
                        </div>
                      </td>
                      <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:43.81pt;">
                        <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;">Maximum</font></div>
                          </div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:22.5pt;">
                      <td style="padding-top:1.5pt;vertical-align:Top;width:405.23pt;">
                        <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 Variable Option assets, including management fees,
                              distribution and/or </font></div>
                          <div style="margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">service (12b-1) fees, and other expenses)</font></div>
                        </div>
                      </td>
                      <td style="padding-top:1.5pt;vertical-align:Top;width:44.97pt;">
                        <div style="line-height:12pt;text-align:left;">
                          <div style="margin-left:10.86pt;margin-right:10.86pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-right:-10.0pt;">0.66%</font></div>
                        </div>
                      </td>
                      <td style="padding-top:1.5pt;vertical-align:Top;width:43.81pt;">
                        <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:7.28pt;">0.88</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;margin-right:-10.0pt;">%</font></div>
                        </div>
                      </td>
                    </tr>

                </table>
              </div>
              <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Example</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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. These costs include transaction expenses, annual Contract expenses, and annual Variable Option expenses. These costs do not include any financial adviser fees that you pay from
                  your other assets, or that you choose to have us pay from this Contract.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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. Although your actual costs may be higher or lower, based on these assumptions, your costs would be:</font></div>
              <div>
                <div style="clear:both;margin-top:6.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:11.66pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">(1)</font></div>
                  <div style="float:left;line-height:12pt;margin-left:2.34pt;text-align:left;width:461.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you surrender your Contract (take a full withdrawal) at the end of the
                      applicable time period:</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:12.0pt;text-align:left;"> </div>
              <div style="margin-top:0.0pt;">
                <table cellspacing="0" cellpadding="0" style="empty-cells:show;margin-left:24pt;width:446pt;" id="z81770a375c5242ca9bd076ffdfa8eeda">

                    <tr style="height:9.5pt;">
                      <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:261.94pt;">
                        <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="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:40.08pt;">
                        <div style="line-height:12pt;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="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:47.64pt;">
                        <div style="line-height:12pt;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="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:47.64pt;">
                        <div style="line-height:12pt;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="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;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;font-weight:bold;">10 Years</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12pt;">
                      <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:261.94pt;">
                        <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;">Maximum Variable Option expense</font></div>
                        </div>
                      </td>
                      <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:40.08pt;">
                        <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;">$9,355</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;">$12,049</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;">$14,102</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;">$24,516</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:9.5pt;">
                      <td style="padding-top:2.5pt;vertical-align:Top;width:261.94pt;">
                        <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;">Minimum Variable Option expense</font></div>
                        </div>
                      </td>
                      <td style="padding-top:2.5pt;vertical-align:Top;width:40.08pt;">
                        <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;">$9,134</font></div>
                        </div>
                      </td>
                      <td style="padding-top:2.5pt;vertical-align:Top;width:47.64pt;">
                        <div style="line-height:12pt;text-align:left;">
                          <div style="margin-left:9.00pt;margin-right:9.00pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.6pt;">11,383</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;">$12,982</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;">$22,233</font></div>
                        </div>
                      </td>
                    </tr>

                </table>
              </div>
              <div>
                <div style="clear:both;margin-top:12.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:11.66pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">(2)</font></div>
                  <div style="float:left;line-height:12pt;margin-left:2.34pt;text-align:left;width:461.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you annuitize your Contract at the end of the applicable time period.</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:12pt;text-align:left;"> </div>
              <div style="margin-top:0.0pt;">
                <table cellspacing="0" cellpadding="0" style="empty-cells:show;margin-left:24pt;width:446pt;" id="ze3effb4de9b9470eb8965a91999f5368">

                    <tr style="height:9.5pt;">
                      <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:262.9pt;">
                        <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="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:39.59pt;">
                        <div style="line-height:12pt;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="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:47.15pt;">
                        <div style="line-height:12pt;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="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:47.64pt;">
                        <div style="line-height:12pt;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="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;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;font-weight:bold;">10 Years</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12pt;">
                      <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:262.9pt;">
                        <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;">Maximum Variable Option expense</font></div>
                        </div>
                      </td>
                      <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:39.59pt;">
                        <div style="line-height:12pt;text-align:left;">
                          <div style="margin-left:11.385pt;margin-right:11.385pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">N/A*</font></div>
                        </div>
                      </td>
                      <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:47.15pt;">
                        <div style="line-height:12pt;text-align:left;">
                          <div style="margin-left:11.035pt;margin-right:11.035pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$6,649</font></div>
                        </div>
                      </td>
                      <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:47.64pt;">
                        <div style="line-height:12pt;text-align:left;">
                          <div style="margin-left:9.00pt;margin-right:9.00pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.6pt;">11,402</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;">$24,516</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:9.5pt;">
                      <td style="padding-top:2.5pt;vertical-align:Top;width:262.9pt;">
                        <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;">Minimum Variable Option expense</font></div>
                        </div>
                      </td>
                      <td style="padding-top:2.5pt;vertical-align:Top;width:39.59pt;">
                        <div style="line-height:12pt;text-align:left;">
                          <div style="margin-left:11.385pt;margin-right:11.385pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">N/A*</font></div>
                        </div>
                      </td>
                      <td style="padding-top:2.5pt;vertical-align:Top;width:47.15pt;">
                        <div style="line-height:12pt;text-align:left;">
                          <div style="margin-left:11.035pt;margin-right:11.035pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$5,983</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;">$10,282</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;">$22,233</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;text-align:left;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;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">The earliest available Annuity Date is 13 months after the Issue Date.</font></div>
                </div>
                <div style="clear:both;position:relative;"> </div>
              </div>
              <div>
                <div style="clear:both;margin-top:6pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:11.66pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">(3)</font></div>
                  <div style="float:left;line-height:12pt;margin-left:2.34pt;text-align:left;width:461.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you do not surrender your Contract.</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:12pt;text-align:left;"> </div>
              <div style="margin-top:0.0pt;">
                <table cellspacing="0" cellpadding="0" style="empty-cells:show;margin-left:24pt;width:446pt;" id="z071189656150442ea7090f9aa31cb674">

                    <tr style="height:9.5pt;">
                      <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:262.42pt;">
                        <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="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:40.08pt;">
                        <div style="line-height:12pt;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="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:47.15pt;">
                        <div style="line-height:12pt;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="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:47.64pt;">
                        <div style="line-height:12pt;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="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;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;font-weight:bold;">10 Years</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12pt;">
                      <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:262.42pt;">
                        <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;">Maximum Variable Option expense</font></div>
                        </div>
                      </td>
                      <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:40.08pt;">
                        <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;">$2,155</font></div>
                        </div>
                      </td>
                      <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:47.15pt;">
                        <div style="line-height:12pt;text-align:left;">
                          <div style="margin-left:11.035pt;margin-right:11.035pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$6,649</font></div>
                        </div>
                      </td>
                      <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:47.64pt;">
                        <div style="line-height:12pt;text-align:left;">
                          <div style="margin-left:9.00pt;margin-right:9.00pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.6pt;">11,402</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;">$24,516</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:9.5pt;">
                      <td style="padding-top:2.5pt;vertical-align:Top;width:262.42pt;">
                        <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;">Minimum Variable Option expense</font></div>
                        </div>
                      </td>
                      <td style="padding-top:2.5pt;vertical-align:Top;width:40.08pt;">
                        <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;">$1,934</font></div>
                        </div>
                      </td>
                      <td style="padding-top:2.5pt;vertical-align:Top;width:47.15pt;">
                        <div style="line-height:12pt;text-align:left;">
                          <div style="margin-left:11.035pt;margin-right:11.035pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$5,983</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;">$10,282</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;">$22,233</font></div>
                        </div>
                      </td>
                    </tr>

                </table>
              </div>
              <div style="line-height:13.0pt;margin-top:16pt;text-align:left;">
                <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:uppercase;">Risk Factors</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Contract involves certain risks that you should understand before investing. You should carefully
                  consider your income needs and risk tolerance to determine whether the Contract is appropriate for you. The level of risk you bear and your potential investment performance will differ depending on the Allocation Options you choose.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Liquidity Risks</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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 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:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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 </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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_6"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:12.0pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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 3% withdrawal charge applies. The total withdrawal charge would be $30 (3% of $1,000). This results
                  in you receiving $770.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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-size:10pt;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 Contract fees or expenses; and/or poor performance.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;font-size:10pt;">&#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-size:10pt;">.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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 Variable Options are 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%, 20%, or 30% Buffer that would have been available on the Term End Date,
                  and losses could exceed the protection offered by the 10%, 20%, or 30% Buffer. 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:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">You can transfer Index Option Value to the Variable Options or among the available 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. Additionally, you can transfer assets out of a 3-year or 6-year Term Index Option
                  before the Term End Date only 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 only 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. 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:6pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risks of Investing in Securities</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Returns on securities and securities Indexes can vary substantially, which may result in investment
                  losses. The historical performance of the available Allocation Options does not guarantee future results. It is impossible to predict whether underlying investment values will fall or rise. Trading prices of the securities underlying the
                  Allocation Options are influenced by economic, financial, regulatory, geographic, judicial, political and other complex and interrelated factors. These factors can affect capital markets generally and markets on which the underlying
                  securities are traded and these factors can influence the performance of the underlying securities.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you allocate Purchase Payments or transfer Contract Value to an Index Option, your returns depend on
                  the performance of an Index although you are not directly invested in the Index. Because the S&amp;P 500</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;font-size:10pt;"> 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;font-size:10pt;"> 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;font-size:10pt;"> Index and 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;font-size:10pt;"> 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 style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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-size:10pt;font-weight:bold;"> Index</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">. 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;font-size:10pt;"> 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:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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-size:10pt;font-weight:bold;"> Index</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">. 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;font-size:10pt;"> 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;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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-size:10pt;font-weight:bold;"> Index</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">. 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;font-size:10pt;"> 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;font-size:10pt;"> Index is comprised of securities issued by companies in a
                  particular sector, that company&#8217;s </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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_7"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:12.0pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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;font-size:10pt;">. 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;font-size:10pt;"> 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;font-size:10pt;"> 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><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
              <div style="margin-top:0.0pt;">
                <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z168c6b9c650049068cbdd94f6bdd8588">

                    <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;">In recent years, the financial markets have experienced periods of
                              significant volatility and negative returns, contributing </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;">to an uncertain and evolving economic environment. The performance of
                              the markets has been impacted by several </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;">interrelating factors such as, but not limited to, the COVID-19
                              pandemic, geopolitical turmoil, rising inflation, changes 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:0.0pt;">interest rates, and actions by governmental authorities. It is not
                              possible to predict future performance of the markets. </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 (e.g., your selected Index
                              Options and the timing of any Purchase </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;">Payments, transfers, or withdrawals), you may experience (perhaps
                              significant) negative returns under the Contract. You </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;">should consult with a Financial Professional about how recent market
                              conditions may impact your future investment </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;">decisions related to the Contract, such as purchasing the Contract or
                              making Purchase Payments, transfers, 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;">withdrawals, based on your individual circumstances.</font></div>
                        </div>
                      </td>
                    </tr>

                </table>
              </div>
              <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risk of Negative Returns</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Variable Options do not provide any protection against loss of principal. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">You can lose principal and previous earnings if you allocate Purchase Payments or transfer Contract Value to the Variable Options&#160;and
                  such losses could be significant.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you allocate Purchase Payments or transfer Contract Value to an Index Option, negative Index Returns
                  may cause Performance Credits to be negative after application of the 10%, 20%, or 30% Buffer. For the Index Performance Strategy, we apply the Buffer for the entire Term length; we do not apply the Buffer annually on a 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-size:10pt;font-style:italic;font-weight:bold;">You can lose principal and previous earnings if you allocate Purchase Payments or transfer Contract Value to the Index Options, and such
                  losses could be significant.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> The maximum potential negative Performance Credit is based on the Buffer. If the Buffer is 10%, the maximum
                  negative Performance Credit is &#8209;90%; if the Buffer is 20%, the maximum negative Performance Credit is &#8209;80%; and if the Buffer is 30%, the maximum negative Performance Credit is &#8209;70%. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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-size:10pt;font-style:italic;font-weight:bold;">The Variable Options are not subject to the Daily Adjustment.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 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. The Daily Adjustment can be less than the Cap even if the current Index return during the Term is greater than the 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. The Daily Adjustment is generally negatively affected by:</font></div>
              <div>
                <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">interest rate decreases,</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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">dividend rate increases,</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">poor market performance, and</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">the expected volatility of Index prices. Increases in the expected
                      volatility of Index prices negatively affect the Index Protection NY Strategy 1-year Term and Index Performance Strategy 1-year Term. 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.</font></div>
                </div>
                <div style="clear:both;position:relative;"> </div>
              </div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Daily Adjustment for 3-year and 6-year Term Index Options may be more negatively impacted by changes
                  to interest rates, dividend rates, market performance and the expected volatility of Index prices than 1-year Term Index Options because the longer Term length amplifies the impact of these market parameters on the expected Index Option
                  Value at the Term End Date. 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 </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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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>
            </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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_8"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:12.0pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">equal to 100%. For shorter Term lengths, there is more certainty in both the final Index Values and how Caps and Buffers
                  determine Performance Credits. This means there may be less fluctuation in the Daily Adjustment due to changes in Index return for Index Options with shorter Term lengths.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you take a withdrawal from an Index Option before the Term End Date, </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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-size:10pt;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-size:10pt;font-weight:bold;">. If the current Index return during the Term is negative, the Daily Adjustment could result in losses greater than the protection provided by the 10%, 20%, or 30% Buffer.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> In extreme circumstances the Daily Adjustment could
                  result in a loss beyond the protection of the Buffer. The maximum potential loss from a negative Daily Adjustment is -99%. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">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.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Managed Volatility Variable Option Risk</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">As described in more detail in the Variable Options&#8217; prospectuses, certain Variable Options affiliated
                  with us employ a managed volatility strategy that is intended to reduce the Variable Option&#8217;s overall volatility and downside risk. A Variable Option&#8217;s managed volatility strategy can negatively impact the value of your Contract and its
                  benefits. During rising markets, the hedging strategies employed to manage volatility could result in your Contract Value rising less than would have been the case if you had been invested in a Variable Option without a managed volatility
                  strategy. In addition, the cost of these hedging strategies may negatively impact performance. Variable Options that employ a managed volatility strategy are identified in Appendix C &#8211; Variable Options Available Under the Contract.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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 the Caps limit positive returns and could cause performance to be lower than it would otherwise have been if you invested in a mutual fund designed to track the performance of the applicable Index, or
                  the Variable Options. 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-size:10pt;font-weight:bold;text-decoration:underline;">not</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
              <div style="line-height:0.0pt;text-align:left;"> </div>
              <div style="margin-top:0.0pt;">
                <table cellspacing="0" cellpadding="0" style="empty-cells:show;width:494pt;" id="z1d591af28b834fa094f080f92a28863e">

                    <tr style="height:11pt;">
                      <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Bottom;width:169.35pt;">
                        <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:324.66pt;" colspan="4">
                        <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:15pt;">
                      <td style="padding-bottom:4pt;padding-top:1.5pt;vertical-align:Bottom;width:169.35pt;">
                        <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:72.99pt;">
                        <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><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:86.19pt;">
                        <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;">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><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:89.87pt;">
                        <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><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:75.61pt;">
                        <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;">EURO 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>
                    </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:169.35pt;">
                        <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:72.99pt;">
                        <div style="line-height:13.0pt;text-align:left;">
                          <div style="margin-left:26.235pt;margin-right:26.235pt;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;">11.56%</font></div>
                        </div>
                      </td>
                      <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.5pt;vertical-align:Top;width:86.19pt;">
                        <div style="line-height:13.0pt;text-align:left;">
                          <div style="margin-left:32.835pt;margin-right:32.835pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-right:-10.0pt;">17.69%</font></div>
                        </div>
                      </td>
                      <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.5pt;vertical-align:Top;width:89.87pt;">
                        <div style="line-height:13.0pt;text-align:left;">
                          <div style="margin-left:34.675pt;margin-right:34.675pt;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;">8.95%</font></div>
                        </div>
                      </td>
                      <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.5pt;vertical-align:Top;width:75.61pt;">
                        <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;">4.47%</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:169.35pt;">
                        <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:72.99pt;">
                        <div style="line-height:13.0pt;text-align:left;">
                          <div style="margin-left:26.235pt;margin-right:26.235pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-right:-10.0pt;">13.70%</font></div>
                        </div>
                      </td>
                      <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:86.19pt;">
                        <div style="line-height:13.0pt;text-align:left;">
                          <div style="margin-left:32.835pt;margin-right:32.835pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-right:-10.0pt;">18.96%</font></div>
                        </div>
                      </td>
                      <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:89.87pt;">
                        <div style="line-height:13.0pt;text-align:left;">
                          <div style="margin-left:34.675pt;margin-right:34.675pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-right:-10.0pt;">10.38%</font></div>
                        </div>
                      </td>
                      <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:75.61pt;">
                        <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;">8.04%</font></div>
                        </div>
                      </td>
                    </tr>

                </table>
              </div>
              <div style="line-height:12.0pt;margin-top:9pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Caps and Participation Rates may be adjusted on the next Term Start Date and may vary significantly from
                  Term to Term. Changes to Caps and Participation Rates may significantly affect the amount of Performance Credit you receive. For more information, see the &#8220;Risks Associated with&#160;Changes to Caps and Participation Rates, and Temporary
                  Unavailability of Index Options&#8221; discussion later in this section.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risks Associated with Performance Locks</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">You will no longer participate in Index performance, positive or negative,
                      for the remainder of the Term for the locked Index Option. This means that under no circumstances will your Index Option Value increase during the remainder of the Term for a locked Index Option, and you will begin a new Index
                      Option&#160;with a new Term Start Date on the next Index Anniversary that occurs on or immediately after the Lock Date.</font></div>
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                <div style="clear:both;position:relative;"> </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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">You will not receive a Performance Credit on any locked Index Option on the
                      Term End Date.</font></div>
                </div>
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            </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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;20&#8201;</font></div>
            </div>
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      <div>
        <div><a name="xx_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_9"></a>
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            <div style="clear:both;"> </div>
            <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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We use the Daily Adjustment calculated at the end of the </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">current</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Business Day on the Lock Date to
                      determine your locked Index Option Value. This means you will not be able to determine in advance your locked Index Option Value, and it may be higher or lower than it was at the point in time you requested a manual Performance Lock.
                      This means that if you request a Performance Lock your Index Option Value will lock at an unknown future value which may be higher or lower than it was when you requested a Performance Lock. If you set targets, your Index Option Value
                      may lock at a higher value than an upper target you set, or may lock at a lower value than a lower target you set. You may request a Performance Lock or set upper and/or lower targets through your account on our website.</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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
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                <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z90eb8190336b4871af669de43041c802">

                    <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 or the optimal </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;">time for doing so. We will not
                              warn you if you execute a Performance Lock at a sub-optimal time. We are not </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;">responsible for any losses related
                              to your decision whether or not to execute a Performance Lock.</font></div>
                        </div>
                      </td>
                    </tr>

                </table>
              </div>
              <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risks Associated with Substitution of an Index</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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. 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>
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                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">we are unable to use the Index because, for example, changes to an Index
                      make it impractical or expensive to purchase derivative hedging instruments to hedge the Index, or we are not licensed to use the Index, or</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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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.</font></div>
                </div>
                <div style="clear:both;position:relative;"> </div>
              </div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">If we add or substitute an Index, we first seek any required regulatory approval from the New York
                  Department of Financial Services 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 the Buffers, 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-size:10pt;font-weight:bold;text-decoration:underline;">not</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> change the Buffers, Caps, or Participation Rates that were in effect on the Term Start
                  Date.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Similarly, if we substitute an Index on a Term Start Date, the applicable Buffer, and minimum Cap or
                  Participation Rate will not change.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Changes to Caps and Participation Rates associated with the new Index, if any, may occur at the next
                  regularly scheduled Term Start Date, subject to their respective minimums. 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 Caps and Participation Rates associated with the new Index, subject to their respective minimums. 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 due to changes in Proxy Value inputs (such as volatility,
                  dividend yield, and interest rate). However, you would only be affected by this change in the Daily Adjustment if a normal transaction to which the Daily Adjustment applies (such as a withdrawal you take) occurs on the substitution date.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:6pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risks Associated with&#160;Changes to Caps and Participation Rates, and
                  Temporary Unavailability of Index Options</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The 10%, 20%, and 30% Buffers for the currently available Index Options do not change. However, if we add
                  a new Index Option to your Contract after the Issue Date, we establish the Buffer for it on the date we add the Index Option to your Contract. For a new Index Option the minimum Buffer is 5%.</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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;21&#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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Subject to their respective minimums, we establish the initial 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:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">You should be aware that, generally, initial 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-size:10pt;font-weight:bold;">allianzlife.com/indexratesny</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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 date you signed your application, you will receive the initial rates that were available on the date you signed your application. However, if you select an Index Effective Date that is after this guaranteed
                  period, you are subject to the risk that initial 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 Contract Value less withdrawal charge and contract maintenance charge.
                  On or before the Index Effective Date the Daily Adjustment does&#160;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">not</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">&#160;apply. 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-size:10pt;font-weight:bold;">allianzlife.com/indexratesny</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">, or call (800) 624-0197. You (or your Financial Professional, if
                  authorized) can change your Index Effective Date at any time before it occurs to be an earlier or later date by submitting a request.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We can change the renewal 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;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We will send you a letter at least 30 days before each Index Anniversary. This letter advises you that
                  current 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 Variable Account
                  Value&#160;and 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 &#160;(if available) at the renewal Caps and Participation Rates that we set on the
                  next Term Start Date, or transferring to another permitted Allocation Option, subject to the limitations on transfers from an Index Option to a Variable Option. At least seven calendar days before each Index Anniversary we publish renewal
                  rates for 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;font-size:10pt;text-decoration:underline;">allianzlife.com/indexratesny</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">, or call (800) 624-0197. If you do not review renewal change information when it is published, or take no action to transfer to another permitted Allocation Option, you
                  will remain allocated to your current Index Options&#160;(if available) and will automatically become subject to the renewal Caps and Participation Rates until the next Term End Date.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">You risk the possibility that the renewal 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 Caps and Participation Rates for the next Term. You also risk the possibility that we may make the Index Protection NY Strategy Index Options and Index Performance Strategy 3-year Term with 20%
                  Buffer Index Options temporarily unavailable for a year or more on Term Start Dates occurring on or after the sixth Index Anniversary.&#160; If we temporarily make an Index Option unavailable and you do not give us reallocation instructions
                  before the end of the Business Day on the Term Start Date the Index Option becomes temporarily unavailable (or the next Business Day if the Term Start Date is a non-Business Day), </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">we will transfer the assets in the temporarily unavailable Index Option to the AZL Government Money Market Fund and the assets will remain there until we receive alternate
                  instructions.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> You can transfer these assets from the AZL Government Money Market Fund at any time to the Variable Options, or on the next Index Anniversary you
                  can transfer them to an Index Option. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">If you transfer these assets to an Index Option, they will not be eligible to receive
                  a Performance Credit until at least the second Index Anniversary after an Index Option becomes temporarily unavailable because they can only be allocated to an Index Option on an Index Anniversary.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> When your renewal rates change or Index Options become unavailable you can either transfer Index Option Value to the Variable Options, or to other available Index Options,
                  or take a full withdrawal (which is subject to a withdrawal charge).&#160;</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Initial&#160;and renewal 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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">market volatility,</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
                </div>
                <div style="clear:both;position:relative;"> </div>
              </div>
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                <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">our hedging strategies and investment performance,</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">the availability of hedging instruments,</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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">the amount of money available to us through Contract fees and expenses to
                      purchase hedging instruments,</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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;22&#8201;</font></div>
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                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">your Index Effective Date,</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
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                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">the level of interest rates,</font></div>
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                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">utilization of Contract benefits by Owners, and</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
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                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">our profitability goals.</font></div>
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              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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&#160;and renewal 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 Caps and Participation Rates. Interest rates could increase. In a rising interest rate environment, increases in 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;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We manage our obligation to provide Performance Credits in part by trading call and put options, and
                  other derivatives on the available Indexes. The costs of the call and put options and other derivatives vary based on market conditions, and we may adjust future renewal Caps and Participation Rates to reflect these cost changes. The
                  primary factor affecting the differences in the initial Caps and Participation Rates for newly issued Contracts and renewal rates for existing Contracts is the difference in what we can earn from these investments for newly issued
                  Contracts versus what we are earning on the investments that were made, and are being held to maturity, for existing Contracts. In some instances we may need to reduce initial&#160;and renewal Caps and Participation Rates, or we may need to
                  substitute an Index. You bear the risk that we may reduce Caps and Participation Rates, which reduces your opportunity to receive positive Performance Credits.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">With prior written notice we may make the Index Protection NY Strategy Index Options and Index
                  Performance Strategy 3-year Term with 20% Buffer Index Options temporarily unavailable for a year or more on Term Start Dates occurring on or after the sixth Index Anniversary if, due to yield on investments or the availability or cost of
                  hedging, we are unable to support the minimum Cap. We cannot make an Index Option temporarily unavailable before the sixth Index Anniversary, during a Term, or at any other time, or for any other reason. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">We cannot make the following Index Performance Strategy Index Options temporarily unavailable: 1-year Term with 10% Buffer, 3-year Term with 10% Buffer,
                  and 6-year Term with 10% Buffer.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> We establish the Index Options that we cannot make temporarily unavailable for your Contract on the Issue Date and we cannot
                  change them. Any new Index Option we add to your Contract after the Issue Date will indicate if it can be made temporarily unavailable or not.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Temporary unavailability of an Index Option on or after the sixth Index Anniversary may:</font></div>
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                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">last for more than one Index Year,</font></div>
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                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">reoccur periodically during the time you
                      own your Contract, and</font></div>
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                <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">result in all Index Options within the
                      Index Protection NY Strategy being unavailable.</font></div>
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              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Once we make an Index Option unavailable, it may continue to be unavailable so long as we are unable to
                  support its minimum Cap. However, we cannot make an Index Option permanently unavailable after we issue your Contract, and a temporarily unavailable Index Option will become available once we can support its minimum Cap. Although we
                  cannot make an Index Option permanently unavailable or remove it from your Contract after the Issue Date, we can substitute an Index as discussed under &#8220;Substitution of an Index&#8221; in this section. You bear the risk that the Index
                  Protection NY Strategy Index Options and Index Performance Strategy 3-year Term with 20% Buffer Index Options may be periodically unavailable, possibly for an extended period of time, which reduces your opportunity to receive positive
                  Performance Credits, and may also increase your risk of loss because the increased protection provided by the 20% Buffer is not available.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risks Associated with Investment in Derivative Hedging Instruments</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">At Contract issue, we invest a substantial majority of the initial Contract Value&#160;allocated to the Index
                  Options in fixed income securities, with most of the remainder invested in derivative hedging instruments. The derivative hedging instruments are purchased to track and hedge Index movements and support our obligations with regard to the
                  Index Options. The derivative hedging instruments we purchase include put options, call options, futures, swaps, and other derivatives.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Index Options move assets in the unregistered separate account between a book value subaccount and a
                  market value subaccount during the Index Year based on Index performance. We typically transfer assets between the subaccounts if </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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;23&#8201;</font></div>
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              <div style="line-height:12.0pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">there is a 10% incremental change in year-to-date Index performance. For the Index Performance Strategy this starts at a
                  -10% decrease in the market; for the Index Protection NY Strategy, this starts at a -30% decrease in the market. We monitor year-to-date Index performance daily and change allocations daily if needed based on this 10% increment. For more
                  information on our unregistered separate account backing the Index Options, see section 12, Other Information &#8211; Our Unregistered Separate Account.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We currently limit our purchase of derivative hedging instruments to liquid securities. However, like
                  many types of derivative hedging instruments, these securities may be volatile and their price may vary substantially. In addition, because we pay Performance Credits regardless of the performance of derivative hedging instruments we
                  purchase, we may incur losses on hedging mismatches or errors in hedging. We may incur additional costs if the costs of our hedging program increase due to market conditions or other factors. Our overall experience with hedging securities
                  may affect renewal Caps and Participation Rates for existing Contracts.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Certain Variable Options may also invest in derivative securities. For more information on these
                  investments, see the Variable Option prospectuses.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;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:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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 are subject to withdrawal
                  charges, will reduce the Contract Value dollar for dollar and Guaranteed Death Benefit Value proportionately (perhaps significantly and by more than the amount withdrawn), and are 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;font-size:10pt;">&#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-size:10pt;">). </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risks Associated with Our Financial Strength and Claims-Paying
                  Ability</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We make Annuity Payments, pay death benefits, and apply Performance Credits from our general account. Our
                  general account assets are subject to claims by our creditors, and any payment we make from our general account is subject to our financial strength and claims-paying ability.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The assets in our unregistered separate account, Separate Account IANY are also subject to claims by our
                  creditors. You can obtain information on our financial condition by reviewing our financial statements in this prospectus. For more information see section 12, Other Information &#8211; Our Unregistered Separate Account.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Regulatory Protections</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Allianz Life of New York is not an investment company and therefore we are not registered as an investment
                  company under the Investment Company Act of 1940, as amended, and the protections provided by this Act are not applicable to the guarantees we provide. The Separate Account is, however, registered as an investment company. Any allocations
                  you make to an Index Option are not part of the Separate Account. Allianz Life of New York is not an investment adviser and so is not subject to the Investment Advisers Act of 1940, and does not provide investment advice to you in
                  connection with your Contract.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:7pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Contract is filed with and approved by New York. State insurance laws provide a variety of regulatory
                  protections.</font></div>
              <div style="line-height:13.0pt;margin-top:11pt;text-align:left;">
                <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:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">An annuity is a contract between you as the Owner, and an insurance company (in this case Allianz Life of
                  New York), where you make payments to us and we invest that money in the Allocation Options you select. Depending on market conditions, your Contract may gain or lose value based on the returns of your selected Allocation Options. When
                  you are ready to take money out, we make payments to you according to your instructions and any restrictions associated with the payment option you select that is described in this prospectus. Other than to add benefits that are
                  beneficial to you, we do not make any changes to your Contract without your permission except as may be required by law.</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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;24&#8201;</font></div>
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              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Contract has an Accumulation Phase and an Annuity Phase.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Accumulation Phase</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> is the first phase of your Contract, and it begins on the Issue Date. During the
                  Accumulation Phase, we invest your money in the Allocation Options you select on a tax-deferred basis. Tax deferral may not be available for certain non-individually owned contracts. Tax deferral means you are not taxed on any earnings or
                  appreciation on the assets in your Contract until you take money out of your Contract. (For more information, see section 11, Taxes.)</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">During the Accumulation Phase you can take withdrawals (subject to any withdrawal charge) and you can
                  make additional Purchase Payments subject to the restrictions set out in section 3, Purchase Requirements.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Accumulation Phase ends upon the earliest of the following.</font></div>
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                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Business Day before the Annuity Date.</font></div>
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                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Business Day we process your request for a full withdrawal.</font></div>
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                <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon the death of any Owner (or the Annuitant if the Owner is a
                      non-individual), the Business Day we first receive a Valid Claim from any one Beneficiary, unless the surviving spouse/Beneficiary continues the Contract. If there are multiple Beneficiaries, the remaining Contract Value continues to
                      fluctuate with the performance of the Allocation Options until the complete distribution of the death benefit. A </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Valid Claim</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 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:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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-size:10pt;font-style:italic;font-weight:bold;">Annuity Phase</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">. During the Annuity Phase we make regular
                  fixed periodic Annuity Payments based on the life of the Annuitant(s), or life and term certain. We send Annuity Payments to the </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Payee</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> (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>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Financial Adviser Fees</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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-size:10pt;font-weight:bold;">We treat this fee payment as a withdrawal which means it is
                  subject to 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-size:10pt;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-size:10pt;font-weight:bold;">, 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-size:10pt;font-style:italic;font-weight:bold;">(which can be negative).</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;">
                </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> We deduct financial adviser fees (including any withdrawal charge) proportionately from each Allocation Option unless you provide us with alternate
                  instructions. This withdrawal reduces the Contract Value and the amount available under the free withdrawal privilege by the dollar amount withdrawn. It may also reduce your Contract's Guaranteed Death Benefit Value proportionately by the
                  percentage of Contract Value withdrawn, which may reduce this value</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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, SEP IRA, Inherited IRA and Inherited Roth 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-size:10pt;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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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, but we verify that
                  payments are made in accordance with the fee redemption authorization agreement you submit to us. We do not set your financial adviser fee or </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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;25&#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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_14"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:12.0pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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 of New York is not an investment adviser, and does not provide investment advice in connection with sales of the
                  Contract. We are not a fiduciary to you, and do not make recommendations or assess suitability.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">You can submit a written request to our Service Center on a form satisfactory to us to allow your
                  financial adviser to make Allocation Option transfers and allocation changes on your behalf. However, we reserve the right to review a financial adviser&#8217;s trading history before allowing him or her to make transfers. If, in our sole
                  discretion, we believe the financial 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>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Financial Adviser Fee Deduction Example</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">These calculations show the effects of withdrawing financial adviser fees on the Contract Value and
                  available Guaranteed Death Benefit Value. These withdrawals (including any withdrawal charges) immediately reduce the Contract Value on a dollar for dollar basis, and reduce the Traditional Death Benefit&#8217;s Guaranteed Death Benefit Value
                  by the percentage of Contract Value withdrawn.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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, and the Guaranteed Death Benefit Value under the Traditional Death Benefit is $90,000. The first withdrawal assumes that there is no amount remaining under the free
                  withdrawal privilege for that year, so that withdrawal is subject to an 8% 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;text-align:left;"> </div>
              <div style="margin-top:0.0pt;">
                <table cellspacing="0" cellpadding="0" style="empty-cells:show;width:494pt;" id="zd6bce3c002e9418a9cfa38d74d76d8bb">

                    <tr style="height:27pt;">
                      <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:194.23pt;">
                        <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:86.19pt;">
                        <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:213.58pt;">
                        <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;">Traditional Death Benefit&#8217;s Guaranteed 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:194.23pt;">
                        <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:86.19pt;">
                        <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:213.58pt;">
                        <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;">$ 90,000</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12pt;">
                      <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:194.23pt;">
                        <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:86.19pt;">
                        <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:213.58pt;">
                        <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:194.23pt;">
                        <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% withdrawal charge)</font></div>
                        </div>
                      </td>
                      <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:86.19pt;">
                        <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%)]</font></div>
                        </div>
                      </td>
                      <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:213.58pt;">
                        <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:194.23pt;">
                        <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:86.19pt;">
                        <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; $5,435</font></div>
                        </div>
                      </td>
                      <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:213.58pt;">
                        <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; [($5,435 &#247; 100,000) x 90,000]</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:15pt;">
                      <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:194.23pt;">
                        <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:86.19pt;">
                        <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:213.58pt;">
                        <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;">= - $4,891</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:13.5pt;">
                      <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:194.23pt;">
                        <div style="line-height:12pt;text-align:left;">
                          <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">After 1</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> years withdrawal</font></div>
                        </div>
                      </td>
                      <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:86.19pt;">
                        <div style="line-height:12pt;text-align:left;">
                          <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 94,565</font></div>
                        </div>
                      </td>
                      <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:213.58pt;">
                        <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;">$ 85,109</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12pt;">
                      <td style="vertical-align:Top;width:194.23pt;">
                        <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:86.19pt;">
                        <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:213.58pt;">
                        <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:194.23pt;">
                        <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:86.19pt;">
                        <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:213.58pt;">
                        <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;">$ 85,109</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12pt;">
                      <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:194.23pt;">
                        <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:86.19pt;">
                        <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:213.58pt;">
                        <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:194.23pt;">
                        <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:86.19pt;">
                        <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:213.58pt;">
                        <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 85,109]</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:15pt;">
                      <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:194.23pt;">
                        <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:86.19pt;">
                        <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:213.58pt;">
                        <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;">= - $4,387</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:13.5pt;">
                      <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:194.23pt;">
                        <div style="line-height:12pt;text-align:left;">
                          <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">After 2</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">nd</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> years withdrawal</font></div>
                        </div>
                      </td>
                      <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:86.19pt;">
                        <div style="line-height:12pt;text-align:left;">
                          <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 92,000</font></div>
                        </div>
                      </td>
                      <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:213.58pt;">
                        <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;">$ 80,722</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12pt;">
                      <td style="vertical-align:Top;width:194.23pt;">
                        <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:86.19pt;">
                        <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:213.58pt;">
                        <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:194.23pt;">
                        <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:86.19pt;">
                        <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;">$ 80,000</font></div>
                        </div>
                      </td>
                      <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:213.58pt;">
                        <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;">$ 80,722</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:12pt;">
                      <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:194.23pt;">
                        <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:86.19pt;">
                        <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:213.58pt;">
                        <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:194.23pt;">
                        <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:86.19pt;">
                        <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:213.58pt;">
                        <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 80,722]</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:15pt;">
                      <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:194.23pt;">
                        <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:86.19pt;">
                        <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:213.58pt;">
                        <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;">= - $5,045</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:11pt;">
                      <td style="padding-top:4pt;vertical-align:Top;width:194.23pt;">
                        <div style="line-height:12pt;text-align:left;">
                          <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">After 3</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">rd</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> years withdrawal</font></div>
                        </div>
                      </td>
                      <td style="padding-top:4pt;vertical-align:Top;width:86.19pt;">
                        <div style="line-height:12pt;text-align:left;">
                          <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 75,000</font></div>
                        </div>
                      </td>
                      <td style="padding-top:4pt;vertical-align:Top;width:213.58pt;">
                        <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;">$ 75,677</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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;26&#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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_15"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:12.0pt;margin-top:9pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">$94,565 Contract Value 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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">$92,000 Contract Value 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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">$75,677 Guaranteed Death Benefit Value 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;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">When the Contract Ends</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">For example, if you take a full withdrawal of the total Contract Value, both the Accumulation Phase and
                  the Contract end even though the Annuity Phase never began and we did not make any death benefit payments.</font></div>
              <div style="line-height:13.0pt;margin-top:11.5pt;text-align:left;">
                <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;">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:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Owner</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Owner designated at Contract issue has all the rights under the Contract. The Owner may be an
                  individual, or a non-individual (such as a trust or other entity acting as an agent for a natural person). Qualified Contracts and non-individually owned Contracts can only have one Owner. A </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Qualified Contract</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 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:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Joint Owner</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">A Non-Qualified Contract can be owned by up to two individual Owners </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(Joint Owners)</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">. 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:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Annuitant</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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-size:10pt;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;font-size:10pt;">. 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>
            <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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;27&#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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_16"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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;font-size:10pt;">. 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-size:10pt;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-size:10pt;">.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
              <div style="line-height:0.0pt;text-align:left;"> </div>
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                <table cellspacing="0" cellpadding="0" style="empty-cells:show;width:494pt;" id="z552b0949fe9749d08ea93a61390cf4ee">

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                      <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:286.75pt;">
                      <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;If this is an Inherited IRA Contract the Beneficiary can either:</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;">continue to receive RMD payments based on 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;">remaining life expectancy of the deceased Owner 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;">Contract Value as of the Business Day we receive a Valid </font></div>
                          <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28pt;">Claim, until ten years after the Owner&#8217;s death at which </font></div>
                          <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28pt;">time we make a lump sum payment, or</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;">receive a lump sum payment of the Contract Value as of </font></div>
                          <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28pt;">the Business Day we receive a Valid Claim.</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;For all other Contracts, we pay a death benefit to 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 unless the Beneficiary is the surviving spouse and </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;">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: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,</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 Accumulation Phase continues, 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 is not available and the Beneficiary(s) </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;">receives the 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 1 or 3, 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;">Annuity Option 2 or 4, 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 5, payments end and the Payee may </font></div>
                          <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28pt;">receive a lump sum refund.</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 style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;For a Qualified Contract, the Annuity Payments must end ten </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;">years after the Owner&#8217;s death.</font></div>
                        </div>
                      </td>
                    </tr>

                </table>
              </div>
              <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Determining Life (Lives)</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Determining Life (Lives) are the individuals on whose life we base the Guaranteed Death Benefit
                  Value provided by the Traditional Death Benefit. We establish the Determining Life (Lives) at Contract issue. For an individually owned Contract the Determining Life (Lives) are the Owner(s). For a non-individually owned Contract the
                  Determining Life is the Annuitant. After the Issue Date the Determining Life (Lives) only change if:</font></div>
              <div>
                <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">you remove a Joint Owner due to divorce, then we also remove that person as
                      a Determining Life, 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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Beneficiary</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Beneficiary is the person(s) or entity you designate to receive any death benefit. You can change
                  the Beneficiary or contingent Beneficiary at any time before your death unless you name an irrevocable Beneficiary. If a Beneficiary dies before you, or you and a Beneficiary die simultaneously, that Beneficiary&#8217;s interest in this
                  Contract ends unless your Beneficiary designation specifies otherwise. You and a Beneficiary are deemed to have died simultaneously if it is not established by clear and convincing evidence that either you or the Beneficiary survived the
                  other by 120 hours. If there are no surviving Beneficiaries or if there is no named Beneficiary, we pay the death benefit to your estate or the Owner if the Owner is a non-individual.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
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                <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="za043d1f4edc5431e835c40b798b00abf">

                    <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;">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 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;">other named primary Beneficiaries. If both Joint Owners die
                              simultaneously, we pay the death benefit to the 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:0.0pt;">surviving primary Beneficiaries. If there are no named surviving
                              primary Beneficiaries, we pay the death benefit to 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;">named surviving contingent Beneficiaries, or equally to the estate of
                              the Joint Owners if there are no named surviving </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;">contingent Beneficiaries.</font></div>
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                </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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_17"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Payee</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Payee is the person or entity who receives Annuity Payments during the Annuity Phase. The Owner
                  receives tax reporting on those payments. Generally we require the Payee to be an Owner. However, you can name a charitable trust, financial institution, qualified plan, or an individual specified in a court order as a Payee. For
                  Qualified Contracts owned by a qualified plan, the qualified plan must be the Payee.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Contract cannot be assigned without our consent. You must submit your request to assign the Contract
                  in writing to our Service Center&#160;and we must approve it in writing.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon receipt of your request in Good Order, we record the assignment. We are not responsible for the
                  validity or effect of the assignment. We are not liable for any actions we take or payments we make before we receive your request in Good Order and record it. 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:0.0pt;">
                <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="zf89de3a100024aff9ab7fb72b7ed8cd2">

                    <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>
                    </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;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, or replacing Joint Owners with a Trust.</font></div>
                        </div>
                      </td>
                    </tr>

                </table>
              </div>
              <div style="line-height:13.0pt;margin-top:16pt;text-align:left;">
                <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;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Purchase Requirements</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">To purchase this Contract, on the Issue Date all Owners and the Annuitant must be age 80 or younger.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">You can make additional Purchase Payments of $50 or more during the
                      Accumulation Phase.</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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We do not accept additional Purchase Payments on or after 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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">If this is an Inherited IRA or Inherited Roth IRA Contract, the death
                      benefit proceeds of the previous tax-qualified investment were directly transferred into this Contract, and we do not accept additional Purchase Payments (see section 11, Taxes &#8211; Qualified Contracts &#8211; Inherited 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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The maximum total Purchase Payments we accept is $10 million.</font></div>
                </div>
                <div style="clear:both;position:relative;"> </div>
              </div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We may, at our sole discretion, waive the minimum Purchase Payment requirements.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Once we receive your initial Purchase Payment and all necessary information in Good Order at our Service
                  Center, we issue the Contract within two Business Days and allocate your payment to your selected Allocation Options. If the Issue Date is the same as the Index Effective Date we apply any part of your initial Purchase Payment you
                  allocate to the Index Options directly to the Index Options. If the Issue Date is not the Index Effective Date, we hold any part of your initial Purchase Payment you allocate to the Index Options in the AZL Government Money Market Fund
                  before we transfer it to your selected Index Options. If you do not give us all of the information we need, we contact you or your Financial Professional. If for some reason we are unable to complete this process within five Business
                  Days, we either send back your Purchase Payment or get your permission to keep it until we get all of the necessary information. If you make additional Purchase Payments, we add this money to your Contract on the Business Day we receive
                  it in Good Order.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;font-size:10pt;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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_18"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We can only decline a Purchase Payment if it is less than $50, would cause total Purchase Payments to be
                  more than $10 million, or if we receive it on or after the Annuity Date. If mandated under applicable law, we may be required to reject a Purchase Payment.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Applications Sent Electronically</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Allocation of Purchase Payments and Contract Value Transfers</font><font style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;">&#8195;</font></div>
              <div style="margin-top:0.0pt;">
                <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z7b5f78bffa8f42c9965aae9f098c47e0">

                    <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;">We do not accept additional Purchase Payments if you
                              have an Inherited IRA, or Inherited Roth IRA Contract.</font></div>
                        </div>
                      </td>
                    </tr>

                </table>
              </div>
              <div style="line-height:12.0pt;margin-top:9pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The allocation instructions you provide on your application automatically become your Purchase Payment
                  default instructions. (In your Contract, Purchase Payment default instructions are called future allocation instructions.) We use these default instructions for all Purchase Payments we receive unless you change them, or give us alternate
                  allocation instructions specific to an individual Purchase Payment. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">We only allow Purchase Payments to move into
                  the&#160;available Index Options on the Index Effective Date and on subsequent Index Anniversaries.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> As a result, we hold Purchase Payments&#160;allocated to the Index
                  Options we receive on days other than the Index Effective Date or an Index Anniversary in the AZL Government Money Market Fund until we transfer them to your selected Index Options&#160;(if available) according to your Purchase Payment default
                  instructions. On the Index Effective Date we rebalance or reallocate your total Contract Value among all of your available selected Allocation Options according to your Purchase Payment default instructions. For additional Purchase
                  Payments we receive </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">after</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> the Index
                  Effective Date, this transfer occurs on the next Index Anniversary and does not involve a reallocation of your total Contract Value. We apply any Purchase Payments&#160;allocated to the Index Options we receive on the Index Effective Date or
                  on an Index Anniversary directly to the Index Options on that day; these Purchase Payments are not held in the AZL Government Money Market Fund.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">We only allow Variable Account Value transfers into Index Options
                  and&#160;Index Option Value transfers between Index Options or to the Variable Options on Term End Dates. We do not allow assets to move into an established Index Option until the Term End Date. If you request to transfer into an established
                  Index Option on an Index Anniversary 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:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you only select the 1-year Term Index Options, you can automatically reallocate your total Contract
                  Value annually by providing us with instructions (see section 4, Optional Reallocation Program for 1-year Term Index Options). However, you cannot automatically reallocate your total Contract Value annually on each Term End Date if you
                  select a 3-year or&#160;6-year Term Index Option.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"> </div>
              <div style="margin-top:0.0pt;">
                <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="z555c53b8052140cebc32455ece54f39f">

                    <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: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>
                      </td>
                      <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>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:39pt;">
                      <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>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:47.5pt;">
                      <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>
                        </div>
                      </td>
                    </tr>

                </table>
              </div>
              <div style="line-height:12.0pt;margin-top:9pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">You should be aware that, generally, initial 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-size:10pt;font-weight:bold;">allianzlife.com/indexratesny</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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 date you signed your </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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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>
          </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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_19"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:12.0pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">application, you will receive the initial rates that were available on the date you signed your
                  application. However, if you select an Index Effective Date that is after this guaranteed period, you are subject to the risk that initial 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 Contract Value less withdrawal charge and contract maintenance charge. On or before the Index Effective Date the Daily Adjustment
                  does&#160;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">not</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">&#160;apply.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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-size:10pt;font-weight:bold;">allianzlife.com/indexratesny</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">You can change your Purchase Payment default instructions at any time without fee or penalty. These
                  changes are effective on the Business Day we receive them in Good Order at our Service Center. We accept changes to Purchase Payment default instructions from any Owner unless you instruct otherwise. We may allow you to authorize someone
                  else to change these default instructions on your behalf. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Changes to your Purchase Payment default instructions do not
                  reallocate or transfer existing Index Option Values on the Term End Date</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">. To reallocate Index Option Value on the Term End Date you must give us transfer
                  instructions.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We notify you at least 30 days in advance of each Index Anniversary as a reminder that on the upcoming
                  anniversary you may transfer&#160;Variable Account Value to the Index Options, and you may transfer Index Option Value between Index Options or to the Variable Options. Transfers between Allocation Options do not change your Purchase Payment
                  default instructions. For more information, see section 5, Variable Options &#8211; Electronic Transfer and Allocation Instructions. On each Term End Date, if we have not received transfer instructions from you, and you are not participating in
                  the 1-year Term Index Option reallocation program, all assets invested continue to be invested in the same Index Options&#160;(if available)&#160;with new Term Start Dates at the renewal Caps and Participation Rates.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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.&#160;Any new Index Option we add to your Contract after issue will indicate if it can be made temporarily unavailable or not. If we add a new Index Option to your Contract, we cannot change its Buffer after it is established. For a
                  new Index Option the minimum Buffer is 5%. However, we can change the renewal Caps and Participation Rates associated with any Index Option on each Term Start Date subject to the guaranteed minimums.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">With prior written notice we may make the Index Protection NY Strategy Index Options and Index
                  Performance Strategy 3-year Term with 20% Buffer Index Options temporarily unavailable for a year or more on Term Start Dates occurring on or after the sixth Index Anniversary if we are unable to support the minimum Cap. If we make an
                  Index Option temporarily unavailable, we do not change your Purchase Payment default instructions. If you have assets in an Index Option that we make temporarily unavailable, or if you allocate a Purchase Payment or request to transfer
                  into an Index Option that we later make temporarily unavailable, and you do not provide us with alternate allocation instructions before the end of the Business Day on the Term Start Date the Index Option becomes temporarily unavailable
                  (or the next Business Day if the Term Start Date is a non-Business Day), we will transfer any assets held in or destined for a temporarily unavailable Index Option to the AZL Government Money Market Fund and the assets will remain there
                  until we receive alternate instructions. You can transfer these assets from the AZL Government Money Market Fund at any time to the Variable Options, or on the next Index Anniversary you can transfer them to an Index Option. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">If you transfer these assets to an Index Option, they will not be eligible to receive a Performance Credit until at least the second
                  Index Anniversary after an Index Option becomes temporarily unavailable because they can only be allocated to an Index Option on an Index Anniversary.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">You can transfer Variable Account Value among the Variable Options on any Business Day, except that any
                  amount held in the AZL Government Money Market Fund that is set to be allocated to an Index Option on the Index Effective Date or an Index Anniversary will not be transferred to the Index Option if it is transferred to another Variable
                  Option.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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>
            </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="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="margin-top:0.0pt;">
                <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z3a1f083d03da438a9a8e9169a9044e5c">

                    <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></div>
                        </div>
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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;margin-left:1.9pt;">Variable Options are subject to Contract fees and expenses (e.g. contract maintenance charge) and market risk. Assets </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 allocate to them may lose value, </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">including any Purchase Payments we hold in the AZL Government Money </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;">Market before transferring them to
                              your selected Index Options</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</font></div>
                        </div>
                      </td>
                    </tr>

                </table>
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              <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Automatic Investment Plan (AIP)</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The AIP makes additional Purchase Payments to the Contract during the Accumulation Phase on a monthly or
                  quarterly basis by electronic money transfer from your savings, checking or brokerage account. You can participate in AIP by completing our AIP form. Our Service Center must receive your form in Good Order by the 15th of the month (or the
                  next Business Day if the 15th is a non-Business day) in order for AIP to begin that same month. We process AIP Purchase Payments on the 20th of the month, or the next Business Day if the 20th is a non-Business Day. We allocate AIP
                  Purchase Payments according to your Purchase Payment default instructions which must comply with the allocation requirements and restrictions stated in this section. If your Purchase Payment default instructions include a temporarily
                  unavailable Index Option we will continue to hold those assets in the AZL Government Money Market Fund until we receive alternate instructions.&#160;You can transfer these assets from the AZL Government Money Market Fund at any time to the
                  Variable Options, or on the next Index Anniversary you can transfer them to an Index Option.&#160;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">If you transfer these assets to
                  an Index Option, they will not be eligible to receive a Performance Credit until at least the second Index Anniversary after an Index Option becomes temporarily unavailable because they can only be allocated to an Index Option on an Index
                  Anniversary.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> We must receive your request to stop or change AIP at our Service Center before the end of the last Business Day immediately before the Business
                  Day we process AIP to make the change that month. If you choose to begin Annuity Payments, AIP ends automatically on the last Business Day before the Annuity Date. We reserve the right to discontinue or modify AIP at any time and for any
                  reason.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
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                <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z40983b50eb0c464a96d0b2ddebacc118">

                    <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;">For Owners of Qualified Contracts, AIP is not available if you have
                              an Inherited IRA Contract, an Inherited Roth IRA </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, or if your Contract is funding a plan that is tax qualified
                              under Section 401 of the Code.</font></div>
                        </div>
                      </td>
                    </tr>

                </table>
              </div>
              <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Free Look/Right to Examine Period</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you change your mind about owning the Contract, you can cancel it within ten days after receiving it.
                  We return your Contract Value as of the Business Day we receive your cancellation request in Good Order. This may be more or less than your initial Purchase Payment. If your cancellation request occurs after the Index Effective Date, your
                  Contract Value will include the Daily Adjustment for amounts allocated to the Index Options. If you have an IRA Contract, we refund your Purchase Payments less withdrawals, or Contract Value, if greater. For IRA Contracts, we reserve the
                  right to hold your initial Purchase Payment in the AZL Government Money Market Fund until the free look period ends, and then re-allocate your money, less fees and expenses, according to your Purchase Payment default instructions. If we
                  exercise this right, the Contract Value we use to determine your refund amount on a cancellation request will not include the Daily Adjustment as the Index Effective Date will not yet have occurred. We do not assess a withdrawal charge or
                  deduct any Contract fees or expenses other than the M&amp;E charge if you cancel your Contract during the free look period. If you take a withdrawal (including financial adviser fees that you choose to have us pay from this Contract) that
                  is subject to a withdrawal charge and then cancel your Contract during the free look period, we will refund any previously deducted withdrawal charge upon cancellation. In the Contract, the free look provision is also called the right to
                  examine.</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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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>
          </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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_21"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:13.0pt;text-align:left;">
                <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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;font-size:10pt;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;text-align:left;"> </div>
              <div style="margin-top:0.0pt;">
                <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="zd7bbfab92c6d41e08608d848378e2b6e">

                    <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: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: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 a Variable 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;there is positive Variable Option 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;you take assets out of a Variable 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;there is negative Variable Option 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:47.5pt;">
                      <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</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;"> fees and</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;">expenses we deduct from the
                              Variable Options include the M&amp;E&#160;charge, contract maintenance charge, </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, and transfer fee as
                              described in section 6, Expenses. Financial adviser fees that you choose to have us </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;">pay from this Contract are described in
                              section 1, The Contract. Variable Options include Purchase Payments we hold in </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;">the AZL Government Money Market Fund
                              before transferring them to your selected Index Options.</font></div>
                        </div>
                      </td>
                    </tr>

                </table>
              </div>
              <div style="line-height:12.0pt;margin-top:9pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Variable Options do not provide any protection against loss of principal. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">You can lose principal and previous earnings you allocate to the Variable Options. These losses can be significant</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
              <div style="line-height:0.0pt;text-align:left;"> </div>
              <div style="margin-top:0.0pt;">
                <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="z516639ea63dd4567a85d3c11686be84e">

                    <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 contract maintenance charge, and withdrawal </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;">charge as described in section 6,
                              Expenses. Financial adviser fees that you choose to have us pay from this Contract are </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;">described in section 1, The Contract.</font></div>
                        </div>
                      </td>
                    </tr>

                </table>
              </div>
              <div style="line-height:12.0pt;margin-top:9pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Performance Credits are subject to the applicable Buffer, Cap, and/or Participation Rate</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">. 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%, 20%, or 30% Buffer. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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-size:10pt;font-style:italic;font-weight:bold;">These losses can be significant.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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-size:10pt;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:1pt;position:relative;width:100%;">
                  <div style="float:left;line-height:10pt;text-align:left;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;text-align:left;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:6pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Determining Variable Account Value</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Separate Account holds the assets you allocate to the Variable Options, including Purchase Payments
                  held in the AZL Government Money Market Fund before we transfer them to the Index Options. The Separate Account is divided into subaccounts, each of which invests exclusively in the shares of a single Variable Option.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We convert amounts you allocate to a Variable Option into subaccount accumulation units. Each subaccount&#8217;s
                  daily price (accumulation unit value) is based on the Variable Option&#8217;s price. A Variable Option&#8217;s price is typically determined at the end of each Business Day,</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> and any Purchase Payment received at or after the end of the current Business Day receives the next Business Day&#8217;s price</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">. A Variable Option's price reflects deduction of its operating expenses.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We calculate your Variable Account Value at the end of each Business Day by multiplying each subaccount&#8217;s
                  accumulation unit value by its number of accumulation units, and adding those results together for all subaccounts.</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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_22"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">On the Issue Date, the number of accumulation units in each subaccount is equal to the amount allocated to
                  the subaccount divided by its accumulation unit value. At the end of each Business Day, the number of subaccount accumulation units:</font></div>
              <div>
                <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">increase</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> when you add assets to a Variable Option by Purchase Payment or Contract Value transfer, 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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">decrease</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> when assets are removed from a Variable Option 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 other than the M&amp;E charge. The M&amp;E&#160;charge reduces the subaccount accumulation unit value, not the number of subaccount accumulation units.</font></div>
                </div>
                <div style="clear:both;position:relative;"> </div>
              </div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We arbitrarily set the initial accumulation unit value for each subaccount. At the end of each Business
                  Day, we determine the new accumulation unit value for each subaccount by multiplying the prior Business Day&#8217;s accumulation unit value by the Variable Option&#8217;s percentage change in price since the prior Business Day. The percentage change
                  in price includes the Variable Option&#8217;s market performance&#160;and the assessed M&amp;E&#160;charge.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-decoration:underline;">Example</font></div>
              <div>
                <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:2.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">When the New York Stock Exchange closes on that Business Day, we determine
                      that the accumulation unit value is $13.25 for the subaccount of your selected Variable Option.</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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We then divide $3,000 by $13.25 and credit your Contract that night with
                      226.415094 subaccount accumulation units for your selected Variable Option.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
                </div>
                <div style="clear:both;position:relative;"> </div>
              </div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">How the Crediting Methods Work</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Index

                  Protection NY Strategy</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> provides a Performance Credit based on Index Values and Index Return.</font></div>
              <div>
                <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:2.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:2.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:10.63pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8722;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">less than or equal to the 30% Buffer, the Performance Credit is zero. We
                      absorb any loss up to the 30% Buffer.</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;text-align:left;width:10.63pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8722;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">greater than the 30% Buffer, the negative Performance Credit is equal to
                      the negative Index Return in excess of the 30% Buffer. You participate in any losses beyond the 30% Buffer.</font></div>
                </div>
                <div style="clear:both;position:relative;"> </div>
              </div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Index

                  Performance Strategy</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> also provides a Performance Credit&#160;based on Index Values and Index Return.</font></div>
              <div>
                <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:2.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8722;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Index Return up to the Cap for a 1-year Term.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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;margin-left:14pt;text-align:left;width:10.63pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8722;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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-size:10pt;font-weight:bold;text-decoration:underline;">not</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 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:2.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:2.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:10.63pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8722;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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-size:10pt;font-weight:bold;text-decoration:underline;">not</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 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;text-align:left;width:10.63pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8722;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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>
            <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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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>
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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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_23"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="margin-top:0.0pt;">
                <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="zf1d90fab52ff4b6b859e5338be37bfa2">

                    <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 Protection NY Strategy and Index Performance Strategy allow negative 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 </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;">negative Performance Credit means
                              you can lose principal and previous earnings. The maximum potential </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;">negative Performance Credit&#160;is:
                              -90% with a 10% Buffer, -80% with a 20% Buffer, and -70% with a 30% Buffer.</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 </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">a 3-year or 6-year Term Index Option is &#8220;uncapped&#8221;
                              for one Term (i.e., we do not declare a Cap for that </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;">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 Term Start </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;">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;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Comparing Crediting Methods</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"> </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="z4a7e68afb2a245ad97d887238f5d0dc2">

                    <tr style="height:15pt;">
                      <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:56.5pt;">
                        <div style="line-height:0.5pt;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:-28.5pt;">&#160;</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:212pt;">
                        <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;">Index Protection NY Strategy</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:225.5pt;">
                        <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;">Index Performance Strategy</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:175pt;">
                      <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:56.5pt;">
                        <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;">What is the </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;">asset </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;">protection?</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:212pt;">
                        <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;Most protection &#8211; has higher Buffers than the 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:7.34pt;">Performance Strategy.</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;Buffer absorbs 30% loss, but you receive a negative </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:7.34pt;">Performance Credit for losses greater than 30%.</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;Potential for large losses in any one Index Year.</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;Impacted by very large negative market movements </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:7.34pt;">because small and moderate negative market </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:7.34pt;">movements are absorbed by the 30% Buffer.</font></div>
                        </div>
                      </td>
                      <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:225.5pt;">
                        <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;Less protection &#8211; has lower Buffers than 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:7.34pt;">Protection NY Strategy.</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;Buffer absorbs 10% or 20% of loss, but you receive 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;">negative Performance Credit for losses greater than 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:7.34pt;">10% or 20% Buffer.</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;Potential for large losses in any Term.</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;More sensitive to large negative market movements </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;">because small negative market movements are absorbed </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;">by the 10% or 20% Buffer. In a period of extreme </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;">negative market performance, the risk of loss is greater </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;">with the Index Performance Strategy.</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;In extended periods of moderate to large negative market </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;">performance, 3-year and 6-year Terms may provide less </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;">protection than the 1-year Terms because, in part, 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:7.34pt;">Buffer is applied over a longer period of time.</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:137.5pt;">
                      <td style="border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:56.5pt;">
                        <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;">What is the </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;">growth </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;">opportunity?</font></div>
                        </div>
                      </td>
                      <td style="border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:212pt;">
                        <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;Less growth opportunity &#8211; generally has lower Caps </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:7.34pt;">than the Index Performance Strategy.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11.5pt;margin-left:0.0pt;"> </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;Growth opportunity limited by the Caps.</font></div>
                        </div>
                      </td>
                      <td style="padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:225.5pt;">
                        <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;Most growth opportunity &#8211; generally has higher Caps </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;">than the Index Protection NY Strategy.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11.5pt;margin-left:0.0pt;"> </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;Growth opportunity limited by the Caps&#160;and/or </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;">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: 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;">3-year or 6-year Term Index
                              Option there is no </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;">maximum limit on the positive
                              Index Return for that </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;">Index Option. In addition, you
                              can receive more than </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;">the positive Index Return if the
                              Participation Rate </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;">applies and is greater than its
                              100% </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;">minimum.&#160;However, the
                              Participation Rate cannot </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;">boost Index Returns beyond a
                              declared Cap</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</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;May perform best in a strong market.</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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;">
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                          <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:-28.5pt;">&#160;</font></div>
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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:212pt;">
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                          <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;">Index Protection NY Strategy</font></div>
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                        <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;">Index Performance Strategy</font></div>
                        </div>
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                    <tr style="height:252.5pt;">
                      <td style="border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:56.5pt;">
                        <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;">What can </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;">change </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;">within a </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;">Crediting </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;">Method?</font></div>
                        </div>
                      </td>
                      <td style="border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:212pt;">
                        <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;Renewal Caps for existing Contracts can change on </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:7.34pt;">each Term Start Date subject to the guaranteed </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:7.34pt;">minimum.</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;">&#8211;&#8194;1-year Term with 30% Buffer has a 3% minimum Cap.</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;With prior written notice we may make all of these </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:7.34pt;">Index Options temporarily unavailable for a year or </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:7.34pt;">more on Term Start Dates occurring on or after the </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:7.34pt;">sixth Index Anniversary if we are unable to support </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:7.34pt;">the minimum Cap.</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;The 30% Buffers for the currently available 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:7.34pt;">Options cannot change. However, if we add a new </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:7.34pt;">Index Option to your Contract after the Issue Date, we </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:7.34pt;">establish the Buffer for it on the date we add the 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:7.34pt;">Option to your Contract. The minimum Buffer is 5% </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:7.34pt;">for a new Index Option.</font></div>
                        </div>
                      </td>
                      <td style="padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:225.5pt;">
                        <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;Renewal Caps and/or Participation Rates for existing </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;">Contracts can change on each Term Start Date subject to </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;">the guaranteed minimums.</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;">&#8211;&#8194;1-year Term with 10% Buffer has a 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;">&#8211;&#8194;3-year Term with 10% Buffer has a 15% 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:9.12pt;">and 100% minimum Participation Rate.</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;">&#8211;&#8194;3-year Term with 20% Buffer has a 12% 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:9.12pt;">and 100% minimum Participation Rate.</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;">&#8211;&#8194;6-year Term with 10% Buffer has a 30% 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:9.12pt;">and 100% minimum Participation Rate.</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;With prior written notice we may make 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:7.34pt;">Performance Strategy 3-year Term with 20% Buffer 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:7.34pt;">Options temporarily unavailable for a year or more on </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;">Term Start Dates occurring on or after the sixth 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:7.34pt;">Anniversary if we are unable to support the minimum </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.</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;The 10% and 20% Buffers for the currently available </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;">Index Options cannot change. However, if we add a new </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;">Index Option to your Contract after the Issue Date, we </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;">establish the Buffer for it on the date we add 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:7.34pt;">Option to your Contract. The minimum Buffer is 5% for 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;">new Index Option.</font></div>
                        </div>
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                </table>
              </div>
              <div style="line-height:0.0pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:1pt;margin-left:7.34pt;">&#8195;</font></div>
              <div style="margin-top:0.0pt;">
                <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="zb5fe8a2678bb4bbeaebbf73c0f0e34e4">

                    <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:0.0pt;">You participate in any 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 </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, for a 10% Buffer we absorb the first -10% of Index Return
                              and you could lose up to 90% of the Index Option </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;">Value.</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;Caps and Participation Rates as set by us from time-to-time may
                              vary substantially based on market conditions. </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;">However, in extreme market
                              environments, it is possible that all Caps and Participation Rates will be reduced 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:7.78pt;">their respective minimums of 3%,
                              5%, 12%, 15%, 30%, or 100% as stated in the table&#160;above</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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 Caps&#160;and/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:7.78pt;">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 Caps&#160;and/or Participation Rates available on the
                              Index Effective Date are not acceptable you have 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;">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 Contract Value less 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:10pt;">and contract maintenance charge. If this occurs on or before the Index
                              Effective Date 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:10pt;">Adjustment&#160;does&#160;</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;">&#160;apply. If this occurs after the Index
                              Effective Date, you </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: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-style:italic;font-weight:bold;margin-left:0.0pt;">Caps and Participation Rates can be different from Index Option to Index Option, and from Contract-to-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-style:italic;font-weight:bold;margin-left:7.78pt;">depending on Index Effective Date</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">. For example, assume that on January 3, 2023 we set Caps for 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:7.78pt;">Performance Strategy 1-year Term with 10% Buffer 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 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 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 for existing Contracts issued in 2021.</font></div>
                        </div>
                      </td>
                    </tr>

                </table>
              </div>
              <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following hypothetical examples show conceptually how the Crediting Methods might work in different
                  market environments and assume no change in the hypothetical Caps&#160;and/or Participation Rates. All values below are for illustrative purposes only. The examples do not reflect any Caps&#160;and/or Participation Rates that may actually apply to
                  a Contract. The examples do not predict or project the actual performance of the Allianz Index Advantage</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;font-size:10pt;"> New York. Although an Index or Indexes will affect your Index Option Values, the Index Options do not directly participate in any stock or equity investment and are not a
                  direct investment in an Index. The Index Values do not include the dividends paid on the stocks comprising an Index. An allocation to an Index Option is not a purchase of shares of any stock or index fund. </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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_25"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:12.0pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="margin-top:1.5pt;text-align:center;"> <img src="protstrt1yrny.jpg" alt=" " style="height:319pt;width:504pt;"><font style="color:#000000;float:left;font-family:Times New Roman;font-size:10pt;line-height:1pt;">&#8201;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:1pt;">&#8194;</font></div>
              <div style="text-align:center;"> <img src="performstrt1yr.jpg" alt=" " style="height:289pt;width:481pt;"><font style="color:#000000;float:left;font-family:Times New Roman;font-size:10pt;line-height:1pt;">&#8201;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:10pt;">&#8194;</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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_26"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;z-index:-1;min-height:670pt;">
              <div style="text-align:center;"> <img src="performstrtmulti.jpg" alt=" " style="height:452pt;width:492pt;"><font style="color:#000000;float:left;font-family:Times New Roman;font-size:10pt;line-height:1pt;">&#8201;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:10pt;">&#8194;</font></div>
              <div style="line-height:12.0pt;margin-top:5.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Determining Index Option Values</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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>
        <div><a name="xx_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_27"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:10.63pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8722;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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. However, if you specifically direct us to take a partial withdrawal from a specific Index Option we reduce that
                      Index Option Value by the dollar amount you specify (including any withdrawal charge).</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;text-align:left;width:10.63pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8722;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-decoration:underline;">Example</font></div>
              <div>
                <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:2.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:2.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8722;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:2.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:2.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8722;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:2.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:6.0pt;text-align:left;"> </div>
              <div style="margin-top:0.0pt;">
                <table cellspacing="0" cellpadding="0" style="empty-cells:show;width:494pt;" id="za255cedf9e9a46f5a38d9f605b98a796">

                    <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;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:1pt;margin-left:0%;">&#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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;39&#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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_28"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="margin-top:0.0pt;">
                <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="zdb5d60f3d26e4cf3a29180bc9d4a6f3d">

                    <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: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;margin-left:1.9pt;">You cannot specify from which Allocation Option we deduct Contract fees and expenses; we deduct Contract fees </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;">and&#160;expenses from each Allocation Option proportionately based on the
                              percentage of Contract Value in each </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;">Allocation Option. However, you can specify from which Allocation
                              Option we deduct a partial withdrawal and 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;">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;margin-left:0.0pt;">There is no consistent financial 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-weight:bold;margin-left:14pt;">to deducting a partial withdrawal from any specific
                              Allocation Option.</font></div>
                        </div>
                      </td>
                    </tr>

                </table>
              </div>
              <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Calculating Performance Credits</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;font-size:10pt;">, we determine Index Returns without any exchange rate adjustment. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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;text-align:left;"> </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="z84e49a565cda4b918f77cba2db4b3f4d">

                    <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: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 Protection NY </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 30% 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;-12%, 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;-32%, 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 </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;">subject 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 5%. 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;4%, the Performance Credit is 4%.</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 5%.</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:89pt;">
                      <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 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 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></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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;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>
        <div><a name="xx_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_29"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <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="zc9a10e82169046fda393ef94f3fb24da">

                    <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;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Daily Adjustment</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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-size:10pt;font-style:italic;font-weight:bold;">The Variable Options are not subject to the Daily Adjustment.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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 RMD payments, 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).</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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. 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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.43pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">(i)</font></div>
                  <div style="float:left;line-height:12pt;margin-left:10.57pt;text-align:left;width:459.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">any Index gains during the Term subject to the applicable Cap&#160;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;text-align:left;width:12.2pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">(ii)</font></div>
                  <div style="float:left;line-height:12pt;margin-left:7.8pt;text-align:left;width:459.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">any Index losses greater than the 10%, 20%, or 30% Buffer, 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;text-align:left;width:14.97pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">(iii)</font></div>
                  <div style="float:left;line-height:12pt;margin-left:5.03pt;text-align:left;width:459.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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-size:10pt;font-weight:bold;">(Proxy Value)</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 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-size:10pt;font-weight:bold;">Proxy Investment</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">provides a current estimated present value of what the Performance Credit will be on the Term End Date taking into
                  account the applicable Buffer, 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. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">In extreme circumstances the Daily Adjustment could result in a loss
                  beyond the protection of the 10%, 20%, or 30% Buffer. The maximum potential loss from a negative Daily Adjustment is -99%.&#160; </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">A withdrawal taken during the Term may not receive the full benefit of the Buffer because the Daily
                  Adjustment takes into account what may potentially happen between the withdrawal date and the Term End Date. All other factors being equal, even if the current Index return during the Term is greater than the Cap, the Daily Adjustment
                  will usually be lower than the Cap. This is because there is a possibility that the Index return could decrease before the Term End Date. Similarly, </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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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>
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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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_30"></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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">even though a negative Index return may be within the 10%, 20%, or 30% Buffer, 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 3-year and 6-year Term Index Options 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 3-year and 6-year Term Index Options 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%. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Daily Adjustment&#8217;s risks (including the impact on Contract Value used to determine Contract fees and
                  charges) 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 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 by calling (800) 624-0197, or visiting our website at </font><font style="color:#0000FF;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">allianzlife.com/new-york</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Performance Locks</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We must receive a manual Performance Lock request in Good Order before the end of the current Business Day
                  to lock an Index Option on that day. Otherwise the Lock Date will occur on the next Business Day that your request is in Good Order. We do not allow Performance Locks to occur on 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></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">You (or your Financial Professional, if authorized) can request an automatic Performance Lock based on
                  targets you set only through your account on our website. When you establish your account you must provide us with an email address. You can set upper and/or lower targets for each Index Option each Term. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Setting a target close to the current Index Option Value return may cause a Performance Lock to occur very quickly.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 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. You can also &#8220;over-ride&#8221; a target by requesting a manual Performance Lock before the target is reached. We determine if a target is reached using the Index Option Value return determined at the
                  end of the prior Business Day using the prior day&#8217;s Daily Adjustment. We then execute the Performance Lock using the Index Option Value return determined at the end of Business Day on the Lock Date.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;"> By setting targets you are authorizing us to automatically execute a Performance Lock at the end of the Business Day on the Lock Date
                  upon which the target is reached, unless you cancel the lock. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We will send an email notice once the Daily Adjustment for an Index Option reaches a target. To
                  cancel an automatic Performance Lock after a target is reached, we must receive your request in Good Order </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">before</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> the end of the Business Day on the Lock Date.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">For example, assume the Cap for the Index Performance Strategy 1-year Term with 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;font-size:10pt;"> Index is 10.25% and you set a target of 9.50%. On a Tuesday,
                  your Index Option Value return (which includes the Daily Adjustment) determined at the end of the Business Day is 9.63%. We will send you an email notice and assuming Wednesday is a Business Day, we will execute the Performance Lock on
                  Wednesday (which will be your Lock Date) using the Index Option Value return determined at the end of the Business Day. If Wednesday is a non-Business Day, your Lock Date would instead be Thursday (assuming it is a Business Day). </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Note that the Index Option Value return on the Lock Date could be greater or less than your target of 9.50%, or Tuesday&#8217;s Index Option
                  Value return of 9.63%.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">A Performance Lock can be executed once each Term for each of these Index Options. A Performance Lock
                  applies to the total Index Option Value in an Index Option, and not just a portion of that Index Option Value. We use the Daily Adjustment calculated at the end of the current Business Day on the Lock Date to determine your locked Index
                  Option Value. This &#8220;locked&#8221; Index Option Value may be more or less than the &#8220;unlocked&#8221; Index Option Value that is available for your review on the Lock Date because the unlocked Index Option Value was determined at the end of the </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">prior</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Business Day. After the Lock Date, the Index Option Value stays in the
                  locked Index Option for the remainder of the Term. Daily Adjustments do not apply to a locked Index Option for the remainder of the Term and the locked Index Option Value will not receive a Performance Credit on the Term End Date. 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;However, 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, we deduct these amounts proportionately from the Index Option Values (unless you provide us with alternate instructions), which will decrease any locked Index
                  Option Value. 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 </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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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>
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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>
      <div>
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              <div style="line-height:12.0pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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 Cap, or Participation Rate for the new Term.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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. 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-size:10pt;font-weight:bold;text-decoration:underline;">prior</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Business Day in order to transfer assets out of a 3-year or 6-year Term 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, you may receive less than the full protection of the Buffer that you would have received if you waited for us to apply the Performance Credit on the Term End Date.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
              <div style="margin-top:0.0pt;">
                <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="zd6fda4c949454abbaf568d5e759ea063">

                    <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 or the optimal </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;">time for doing so. We will not
                              warn you if you execute a Performance Lock at a sub-optimal time. We are not </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;">responsible for any losses related
                              to your decision whether or not to execute a Performance Lock.</font></div>
                        </div>
                      </td>
                    </tr>

                </table>
              </div>
              <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Optional Reallocation Program for the 1-year Term Index Options</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Index Option performance may cause the percentage of total Index Option Value in each 1-year Term Index
                  Option to change. Reallocating can help you maintain your selected 1-year Term Index Option allocation percentages. You can direct us to automatically reallocate your 1-year Term Index Option Values on each Term End Date (or on the next
                  Business Day if the Term End Date is a non-Business Day) according to your instructions. We must receive your reallocation instructions in Good Order at our Service Center before the end of the Business Day we reallocate. If we make an
                  Index Option temporarily unavailable after we receive your instructions in Good Order we will contact you and your Financial Professional for alternate instructions. If we do not receive alternate instructions before the end of the
                  Business Day we reallocate, we will transfer any assets held in or destined for a temporarily unavailable Index Option to the AZL Government Money Market Fund. You can transfer these assets from the AZL Government Money Market Fund at any
                  time to the Variable Options, or on the next Index Anniversary you can transfer them to an Index Option. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">If you transfer
                  these assets to an Index Option, they will not be eligible to receive a Performance Credit until at least the second Index Anniversary after an Index Option becomes temporarily unavailable because they can only be allocated to an Index
                  Option on an Index Anniversary.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> We reserve the right to discontinue or modify the optional reallocation program at any time and for any reason. To end this
                  program, we must receive your request at our Service Center before the end of the last Business Day immediately before the Term End Date.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
              <div style="margin-top:0.0pt;">
                <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="zd3722eda3170475ebab62eca427843b6">

                    <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;">You cannot participate in the
                              Optional Reallocation Program if you select a 3-year or&#160;6-year Term Index Option. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">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:0.0pt;">you are participating in this program and select a 3-year or&#160;6-year
                              Term Index Option, on the Term Start Date 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;">participation in this program ends and we will not reallocate your
                              1-year Term Index Option Values.</font></div>
                        </div>
                      </td>
                    </tr>

                </table>
              </div>
              <div style="line-height:13.0pt;margin-top:16pt;text-align:left;">
                <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;">Variable Options</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Information regarding each Variable Option, including its (i) name, (ii) investment
                  objectives, (iii) investment adviser and any subadviser, (iv) current expenses, and (v) performance is available in Appendix C &#8211; Variable Options Available Under the Contract. Each Variable Option has issued a prospectus that contains
                  more detailed information about the Variable Option. You should read the prospectuses for the Variable Options carefully before investing. The Variable Options&#8217; prospectuses and other information can be found online at </font><font style="color:#0000FF;font-family:Times New Roman;font-size:10pt;font-weight:bold;">allianzlife.com/new-york/variableoptions</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">There are potential risks associated with this Contract&#8217;s Variable Options and their investment
                  strategies. Depending on market conditions, you can gain or lose value by investing in the Variable Options. In the future, we may add, eliminate or substitute Variable Options to the extent permitted by the federal securities laws and,
                  when required, the SEC.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Currently, the Variable Options are not publicly available mutual funds. They are available only as
                  Variable Options in variable annuity contracts or variable life insurance policies issued by life insurance companies or in some cases, through </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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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>
          </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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_32"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:12.0pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">participation in certain qualified pension or retirement plans. A material conflict of interest may arise between
                  insurance companies, owners of different types of contracts, and retirement plans or their participants. Each Variable Option's Board of Directors monitors for material conflicts, and determines what action, if any, should be taken to
                  address any conflicts.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The names, investment objectives and policies of certain Variable Options may be similar to the names,
                  investment objectives and policies of other portfolios managed by the same investment advisers. Although the names, objectives and policies may be similar, the Variable Options' investment results may be higher or lower than these other
                  portfolios&#8217; results. The investment advisers cannot guarantee, and make no representation, that these similar funds' investment results will be comparable even though the Variable Options have the same names, investment advisers,
                  objectives, and policies.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Each Variable Option offered by the Allianz Variable Insurance Products Fund of Funds Trust (Allianz VIP
                  Fund of Funds Trust) is a &#8220;fund of funds&#8221; and diversifies its assets by investing primarily in shares of several other affiliated mutual funds.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Variable Options may pay 12b-1 fees to the Contracts&#8217; distributor, our affiliate, Allianz Life
                  Financial Services, LLC, for distribution and/or administrative services. In addition, we may enter into certain arrangements under which we, or Allianz Life Financial Services, LLC, are compensated by the Variable Options' advisers,
                  distributors and/or affiliates for administrative services and benefits we provide to these Variable Options. The compensation amount usually is based on the Variable Options' aggregate assets purchased through contracts we issue or
                  administer. Some advisers may pay us more or less than others. The maximum service fee we currently receive from any variable investment option in any variable annuity contract we offer is 0.35% annually of the average aggregate amount
                  invested by us in the variable investment options.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Allianz VIP Fund of Funds Trust underlying funds do not pay 12b-1 fees or service fees to the Trust,
                  and the Trust does not charge 12b-1 fees or service fees. The Allianz VIP Fund of Funds Trust underlying funds or their advisers may pay service fees to us and our affiliates for providing customer service and other administrative
                  services to you. Service fees may vary depending on the underlying fund.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Allianz Investment Management LLC, the Variable Options' investment adviser, is affiliated with us
                  through common ownership.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Substitution of Variable Options and Limitation on Further
                  Investments</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We may substitute another Variable Option for one of your selected Variable Options, for any reason in
                  our sole discretion. To the extent required by the Investment Company Act of 1940 or other applicable law, we do not substitute any shares without SEC approval and providing you notice. We may make substitutions with respect to your
                  existing allocations, future Purchase Payment allocations, or both. New or substitute Variable Options may have different fees and expenses, and their availability may be limited to certain purchaser classes. We may limit further Variable
                  Option allocations if marketing, tax or investment considerations warrant, or for any reason in our sole discretion. We may also close Variable Options to additional allocations. The fund companies that sell Variable Option shares to us,
                  pursuant to participation agreements, may end those agreements and discontinue offering us their shares.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Transfers Between Variable Options</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">You can transfer Variable Account Value among the Variable Options on any Business Day. Transfers are
                  subject to a transfer fee as stated in section 6, Expenses.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following applies to any transfer.</font></div>
              <div>
                <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Your request for a transfer must clearly state the Variable Options
                      involved and how much to transfer.</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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Your right to make transfers is subject to the Excessive Trading and Market
                      Timing policy discussed later in this section.</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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Variable Account Value transfers between Variable Options do not change
                      your Purchase Payment default instructions.</font></div>
                </div>
                <div style="clear:both;position:relative;"> </div>
              </div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Any amount held in the AZL Government Money Market Fund that is set to be allocated to an Index Option
                  on the Index Effective Date or an Index Anniversary will not be transferred to the Index Option if it is transferred to another Variable Option.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We process transfer requests based on prices next determined after we receive your request in Good Order
                  at our Service Center. If we do not receive your transfer request </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">before</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> the end of the </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">current</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Business Day,
                  even if due to our delay in answering your call or a delay caused by our electronic systems, you receive the </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">next</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Business Day&#8217;s prices. For jointly </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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_33"></a>
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            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:12.0pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">owned Contracts, unless you require us to obtain signatures from both Joint Owners, we accept transfer instructions from
                  any Joint Owner. We may also allow you to authorize someone else to request transfers on your behalf.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Electronic Transfer and Allocation Instructions</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We use reasonable procedures to confirm that electronic transfer request or allocation instructions given
                  to us are genuine. If we do not use such procedures, we may be liable for any losses due to unauthorized or fraudulent instructions. We record telephone instructions and log all fax, email and website instructions. We reserve the right to
                  deny any transfer request or allocation instruction change, and to discontinue or modify our electronic instruction privileges at any time for any reason.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Please note that telephone, fax, email and/or the website may not always be available. Any electronic
                  system, whether it is ours, yours, your service provider&#8217;s, or your Financial Professional&#8217;s, can experience outages or slowdowns for a variety of reasons, which may delay or prevent our processing of your transfer request or allocation
                  instruction change. Although we have taken precautions to help our systems handle heavy use, we cannot promise complete reliability. If you are experiencing problems, you should submit your instructions in writing to our Service Center.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:6pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Excessive Trading and Market Timing</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Frequent transfers, programmed transfers, transfers into and then out of a Variable Option in a short
                  period of time, and transfers of large amounts at one time (collectively referred to as &#8220;potentially disruptive trading&#8221;) may have harmful effects for other Owners, Annuitants and Beneficiaries. These risks and harmful effects include the
                  following.</font></div>
              <div>
                <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Dilution of the interests of long-term investors in a Variable Option, if
                      market timers or others transfer into a Variable Option at prices that are below their true value, or transfer out at prices above their true value.</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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">An adverse effect on portfolio management, such as causing a Variable
                      Option to maintain a higher level of cash or causing a Variable Option to liquidate investments prematurely.</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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Increased brokerage and administrative expenses.</font></div>
                </div>
                <div style="clear:both;position:relative;"> </div>
              </div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We attempt to protect our Owners and the Variable Options from potentially disruptive trading through our
                  Excessive Trading and Market Timing policies and procedures. Under these policies and procedures, we may modify your transfer privileges for some or all of the Variable Options as follows:</font></div>
              <div>
                <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:2pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;margin-top:2pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Require a minimum time period between each transfer into or out of the same
                      Variable Option. Our current Excessive Trading and Market Timing policy, which is subject to change without notice, prohibits &#8220;round trips&#8221; within 14 calendar days. We do not include transfers into and/or out of the AZL Government
                      Money Market Fund when available in your Contract or any automatic transfers made under any of our programs or Contract features. Round trips are transfers into and back out of the same Variable Option, or transfers out of and back
                      into the same Variable Option.</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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:2pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Limit the dollar amount of any single Purchase Payment or transfer request
                      to a Variable Option.</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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Prohibit transfers into specific Variable Options.</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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We also reserve the right to reject any specific Purchase Payment allocation or transfer request from any
                  person if in the investment adviser&#8217;s, subadviser&#8217;s or our judgment, a Variable Option may be unable to invest effectively in accordance with its investment objectives and policies. This could occur, for example, where frequent or rapid
                  trading causes the investment adviser to hold an excess of uninvested cash to meet redemption requests, or to sell investment positions to fund redemptions, thereby affecting Variable Option returns. Similarly, rapid or frequent trading
                  may cause a Variable Option to incur excessive transaction fees, which also could affect performance.</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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_34"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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-size:10pt;font-weight:bold;">deter</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> disruptive trading as follows. If a transfer(s) is/are identified as potentially disruptive trading, we may (but are not required to) send a warning letter. If the conduct continues and we determine it
                  constitutes disruptive trading, we also impose transfer restrictions. Transfer restrictions may include refusing electronic transfers and requiring all transfers be sent by first-class U.S. mail. If the disruptive trading affects only a
                  single Variable Option, we may prohibit transfers into or Purchase Payment allocations to that Variable Option. We do not enter into agreements permitting market timing and would not permit activities determined to be disruptive trading
                  to continue. We also reserve the right to impose transfer restrictions if we determine, in our sole discretion, that transfers disadvantage other Owners. We notify you in writing if we impose transfer restrictions on you.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We cannot guarantee the following.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:2.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">In addition, some of the Variable Options are available to other insurance companies and we do not know
                  if they adopted policies and procedures to detect and deter potentially disruptive trading, or what their policies and procedures might be. Because we may not be completely successful at detecting and preventing market timing activities,
                  and other insurance companies that offer the Variable Options may not have adopted adequate market timing procedures, there is some risk that market timing activity may occur and negatively affect other Owners.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We may, without prior notice to any party, take whatever action we deem appropriate to comply with any
                  state or federal regulatory requirement. In addition, purchase orders for a Variable Option&#8217;s shares are subject to acceptance by that Variable Option&#8217;s manager. We reserve the right to reject, without prior notice, any Variable Option
                  transfer request or Purchase Payment if the purchase order is rejected by the investment manager. We have entered into agreements required under SEC Rule 22c-2 (Rule 22c-2 agreements) whereby, upon request by an underlying fund or its
                  designee, we must provide information about you and your trading activities to the underlying fund or its designee. Under the terms of the Rule 22c-2 agreements, we are required to: (1) provide details concerning every purchase,
                  redemption, transfer, or exchange of Variable Options during a specified period; and (2) restrict your trading activity if the party receiving the information so requests. Under certain Rule 22c-2 agreements, if we fail to comply with a
                  request to restrict trading activity, the underlying fund or its designee may refuse to accept buy orders from us until we comply.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Variable Options may add or change policies designed to restrict market timing activities. For example,
                  Variable Options may impose restrictions on transfers between Variable Options in an affiliated group if the investment adviser to one or more of the Variable Options determines that the person requesting the transfer has engaged, or is
                  engaging in, market timing or other abusive trading activities. In addition, a Variable Option may impose a short-term trading fee on purchases and sales within a specified period. You should review the Variable Options&#8217; prospectuses
                  regarding any applicable transfer restrictions and the imposition of any fee to discourage short-term trading. The imposition of these restrictions would occur as a result of Variable Option restrictions and actions taken by the Variable
                  Options&#8217; managers.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
              <div style="margin-top:0.0pt;">
                <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z97fea4f460e64e84b0c9f864b44d671d">

                    <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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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>
            <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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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>
          </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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_35"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Voting Privileges</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We legally own the Variable Option shares. However, when a Variable Option holds a shareholder vote that
                  affects your investment, we ask you to give us voting instructions. We then vote all of our shares, including any we own on our behalf, in proportion to those instructions. Because most Owners do not give us instructions and we vote
                  shares proportionally, a small number of Owners may determine a vote&#8217;s outcome. If we determine we no longer need to get your voting instructions, we will decide how to vote the shares. Only Owners have voting privileges. Annuitants,
                  Beneficiaries, Payees and other persons have no voting privileges unless they are also Owners.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We determine your voting interest in a Variable Option as follows:</font></div>
              <div>
                <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">You can provide voting instructions based on the dollar value of the
                      Variable Option&#8217;s shares in your Contract&#8217;s subaccount. We calculate this value based on the number and value of accumulation units for your Contract on the record date. We count fractional units.</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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;">
                <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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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 style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Base Contract Expenses (Mortality and Expense Risk (M&amp;E)
                  Charge)</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The base contract expense is referred to as the &#8220;mortality and expense risk charge&#8221; in your Contract,&#160;or
                  "M&amp;E charge" elsewhere in this prospectus. The M&amp;E charge compensates us for providing all your Contract&#8217;s benefits, including our contractual obligation to make Annuity Payments and certain Contract and distribution expenses. The
                  M&amp;E charge also compensates us for assuming the expense risk that the current charge is less than future Contract administration costs as well as the cost of providing certain features under the Contract. If the M&amp;E charge covers
                  these costs and risks, any excess is profit to us. We anticipate making such a profit.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
              <div style="line-height:0.0pt;text-align:left;"> </div>
              <div style="margin-top:0.0pt;">
                <table cellspacing="0" cellpadding="0" style="empty-cells:show;width:494pt;" id="z16c4fe1bbf1c4dc58a31777840c7bdc0">

                    <tr style="height:20.75pt;">
                      <td style="vertical-align:Bottom;width:316.07pt;">
                        <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="vertical-align:Bottom;width:177.93pt;">
                        <div style="line-height:9.0pt;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;">Base Contract Expenses</font></div>
                            <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">(as a percentage of each Variable Option&#8217;s net asset value)</font></div>
                          </div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:10.75pt;">
                      <td style="vertical-align:Top;width:316.07pt;">
                        <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;font-weight:bold;margin-left:0.0pt;">Mortality and Expense Risk (M&amp;E) Charge</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</font></div>
                        </div>
                      </td>
                      <td style="vertical-align:Bottom;width:177.93pt;">
                        <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;">1.25%</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;text-align:left;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;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">Upon the death of the Owner, we continue to assess this M&amp;E charge for
                      amounts allocated to the Variable Options under death benefit payment Option B, and with optional payments under death benefit payment Option C, as noted in section 10, Death Benefit. If there are multiple Beneficiaries, we continue
                      to assess the M&amp;E charge after receiving the first Valid Claim until complete distribution of the death benefit.</font></div>
                </div>
                <div style="clear:both;position:relative;"> </div>
              </div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The M&amp;E charge is an annualized rate that reduces the net asset value that we use to calculate each
                  subaccount&#8217;s accumulation unit value on each Business Day during the Accumulation Phase. The net asset value is the price of an underlying Variable Option. We do not assess the M&amp;E charge against the Index Options, or during the
                  Annuity Phase.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Contract Maintenance Charge (Administrative Expenses)</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">During the Accumulation Phase, if the total Contract Value for all Allianz
                      Index Advantage</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;font-size:10pt;"> New York Contracts you own
                      is at least $100,000 at the end of the last Business Day before the Contract Anniversary, or if the Contract Value for this single Allianz Index Advantage</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;font-size:10pt;"> New York Contract is at least $100,000 on the Contract Anniversary. We determine the total Contract
                      Value for all individually owned Allianz Index Advantage</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;font-size:10pt;"> New York Contracts by using the Owner&#8217;s social security number, and for non-individually owned Allianz Index Advantage</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;font-size:10pt;"> New York Contracts we use the Annuitant&#8217;s social security number.</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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">During the Annuity Phase.</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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;font-size:10pt;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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">we deduct it proportionately from each Allocation Option.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;47&#8201;</font></div>
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        <div style="float:left;margin-bottom:5.0pt;width:100%;"> </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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Withdrawal Charge</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">You can take withdrawals during the Accumulation Phase. A withdrawal charge applies if any part of a
                  withdrawal comes from a Purchase Payment that is still within the withdrawal charge period. We assess the withdrawal charge against the Withdrawal Charge Basis, which is equal to total Purchase Payments, less any Purchase Payments
                  withdrawn (including any Penalty-Free Withdrawals), and less any applicable withdrawal charge. We do not reduce the Withdrawal Charge Basis for any amounts we deduct to pay other Contract fees and expenses. For withdrawals that are
                  subject to a withdrawal charge, to pay your requested withdrawal amount we deduct </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">more</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> than the amount you request and apply a withdrawal charge to the Purchase Payments deducted. Please see #3 in the following example.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Amounts withdrawn to pay financial adviser fees are subject to a withdrawal charge if they exceed
                  the free withdrawal privilege, and will reduce the Contract Value and Guaranteed Death Benefit Value </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">(perhaps significantly
                  and by more than the amount withdrawn)</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
              <div style="line-height:0.0pt;text-align:left;"> </div>
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                <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="z490155be5519497cbe68cf67861c3530">

                    <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>
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                    <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 $30,000 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 $70,000. 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 $52,000 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>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:99pt;">
                      <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;">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, but they 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 dollar for dollar, and are withdrawn </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;">from Purchase Payments on a FIFO basis.</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;">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. We also deduct this $10,000 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.</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:188.5pt;">
                      <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;">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:2pt;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 $20,000, which is subject to a 6% </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 $18,800. 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;">$20,000 x 0.94 = $18,800</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;">The total amount we withdraw from the second 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 is $24,946, which is subject to a 7% 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;margin-left:9pt;">charge, and you receive $23,200. We determine this amount </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;">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;">$24,946 x&#160;0.93 =&#160;$23,200</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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;48&#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 style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="margin-top:0.0pt;">
                <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="zc989cccffdeb4d6a82da30fc90f139bc">

                    <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>
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                      </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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                    <tr style="height:40.5pt;">
                      <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</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="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%</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;">3%</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;">1%</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:113.5pt;">
                      <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 $54,946 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 $52,000 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 $2,946. 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 $30,000 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 $70,000 to $45,054 ($70,000 &#8211;&#160;$24,946).</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:9pt;">Please note that this example may
                              differ from 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;font-style:italic;font-weight:bold;margin-left:9pt;">actual results due to rounding.</font></div>
                        </div>
                      </td>
                    </tr>

                </table>
              </div>
              <div style="line-height:12.0pt;margin-top:9pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon a full withdrawal, we first deduct any contract maintenance charge from your Contract Value before we
                  calculate the withdrawal charge. We then deduct any applicable withdrawal charge from the total remaining Contract Value and send you the remaining amount. For a partial withdrawal we pay you the amount you requested and deduct this
                  amount and any withdrawal charge from the total Contract Value. We deduct any partial withdrawal (including any withdrawal charge) proportionately from each Allocation Option unless you provide us with alternate instructions. If a partial
                  withdrawal occurs on a day that we also deduct the contract maintenance charge, we deduct this charge 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;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The withdrawal charge compensates us for expenses associated with selling the Contract.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Reduction or Elimination of the Withdrawal Charge</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We may reduce or eliminate the withdrawal charge when the Contract is sold under circumstances that
                  reduce its sales expenses. We will implement this withdrawal charge reduction or elimination in a nondiscriminatory manner. For example, if a large group of individuals purchases Contracts or if a prospective purchaser already has a
                  relationship with us. We may choose not to deduct a withdrawal charge under a Contract issued to an officer, director, or employee of Allianz Life of New York or any of its affiliates. Also, we may reduce or eliminate the withdrawal
                  charge when a Contract is sold by a Financial Professional appointed with Allianz Life of New York to any members of his or her immediate family and the Financial Professional waives their commission. We must pre-approve any withdrawal
                  charge reduction or elimination.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_38"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="margin-top:0.0pt;">
                <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="ze2a5860dad324ae4a33f9c119b09d7e4">

                    <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;">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: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;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;"> are subject 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;">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 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;font-weight:bold;margin-left:14pt;">Contract Value available for withdrawal is 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) unless </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;">taken on a Term End Date. If you
                              have Index Options with different Term End Dates, there may be no time you </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;">can take a withdrawal without
                              application of at least one Daily Adjustment. Please consult with your 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;font-style:italic;font-weight:bold;margin-left:14pt;">Professional before requesting us
                              to pay financial adviser fees from this Contract rather than from other assets </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;">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;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Transfer Fee</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The first twelve transfers between Variable Options every Contract Year are free. After that, we deduct
                  a $25 transfer fee for each additional transfer. We count all transfers made in the same Business Day as one transfer. We do not count transfers between the Variable Options and Index Options or reallocation of Index Option Value among
                  the Index Options against the free transfers we allow and these transfers are not subject to a transfer fee. The transfer fee continues to apply under death benefit payment Option B, and with optional payments under death benefit payment
                  Option C as noted in section 10, Death Benefit.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We deduct the transfer fee on a dollar for dollar basis from the amount of Variable Account Value being
                  transferred before allocating the remaining Variable Account Value to your selected Variable Options. We do not treat the deduction of the transfer fee as a withdrawal when computing the Guaranteed Death Benefit Value under the
                  Traditional Death Benefit.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Daily Adjustment Maximum Potential Loss</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"> </div>
              <div style="margin-top:0.0pt;">
                <table cellspacing="0" cellpadding="0" style="empty-cells:show;width:494pt;" id="z5aa31d2f65c14c688c4131e9f82e189e">

                    <tr style="height:22.5pt;">
                      <td style="padding-bottom:3.5pt;padding-top:3.5pt;vertical-align:Bottom;width:361.34pt;">
                        <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:132.66pt;">
                        <div style="line-height:13.0pt;text-align:left;">
                          <div style="border-bottom:0.5pt solid #000000;margin-left:1pt;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 NY Strategy 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 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:361.34pt;">
                        <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:132.66pt;">
                        <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;">99%</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:21pt;">
                      <td style="padding-top:2pt;vertical-align:Top;width:361.34pt;">
                        <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 from an Index Option
                              before </font></div>
                          <div style="margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18pt;">any Term End Date)</font></div>
                        </div>
                      </td>
                      <td style="padding-top:2pt;vertical-align:Top;width:132.66pt;">
                        <div style="line-height:0.5pt;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;">&#160;</font></div>
                        </div>
                      </td>
                    </tr>

                </table>
              </div>
              <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Premium Tax</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Premium tax is based on your state of residence at the time you make each Purchase Payment. In states
                  that assess a premium tax, we do not currently deduct it from the Contract, although we reserve the right to do so in the future. Premium tax normally ranges from 0% to 3.5% of the Purchase Payment, depending on the state or governmental
                  entity. New York does not currently assess a premium tax.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Income Tax</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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>
            <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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_39"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Variable Option Expenses</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges deducted from and expenses paid out of the assets of the Variable Options are described in the
                  Variable Options' prospectuses.</font></div>
              <div style="line-height:10.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">These expenses reduce the Variable Options' 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 style="line-height:13.0pt;margin-top:11.5pt;text-align:left;">
                <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;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">by taking a withdrawal (including financial adviser fees that you choose to
                      have us pay from this Contract; withdrawals under the free withdrawal privilege, systematic withdrawal program, and waiver of withdrawal charge benefit; and for Qualified Contracts only, RMD payments under our minimum distribution
                      program);</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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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-size:10pt;font-style:italic;font-weight:bold;">Any partial withdrawal that reduces the Contract Value below this minimum will be treated as a full
                  withdrawal. A full withdrawal will cause the Contract </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;text-decoration:underline;">and all of its benefits</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;"> to end.</font></div>
              <div>
                <div style="clear:both;margin-top:1.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:10pt;text-align:left;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;text-align:left;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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We deduct any partial withdrawal (including any withdrawal charge) proportionately from each Allocation
                  Option unless you provide us with alternate instructions. The Index Option Value from which a partial withdrawal is deducted during a Term will include any applicable Daily Adjustment.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">When you take a full withdrawal of the Contract Value we process your request on the Business Day we
                  receive it in Good Order at our Service Center as follows:</font></div>
              <div>
                <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">less any 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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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 Values 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 contract maintenance charge. Partial withdrawals (including any withdrawal charge) reduce Contract Value dollar for dollar, and reduce the Guaranteed Death Benefit
                  Value proportionately. The reduction to Contract Value also reduces RMD payments&#160;which are based on Contract Value. A full withdrawal will end the Contract and all its benefits.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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>
            <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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_40"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="margin-top:0.0pt;">
                <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z38aecc8c0c1441ef8694ca6f53830bb2">

                    <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 are subject to a withdrawal charge, state and federal taxation, and a 10% additional federal tax if you are </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;">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
                              Adjustment </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;">(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 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;font-style:italic;font-weight:bold;margin-left:14pt;">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 one check payable to both Joint Owners and we tax
                              report to each Joint Owner individually. </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;">Tax reporting each Joint Owner
                              individually&#160;can create a discrepancy in taxation if only one Joint Owner is 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-style:italic;font-weight:bold;margin-left:14pt;">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 style="line-height:12.0pt;margin-top:12pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Free Withdrawal Privilege</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-decoration:underline;">Example</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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 5% withdrawal charge.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
              <div style="margin-top:0.0pt;">
                <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z110c6099ffea4138b76f959d184f000a">

                    <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;">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;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Systematic Withdrawal Program</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The systematic withdrawal program can provide automatic withdrawal payments to you during the
                  Accumulation Phase. You can request to receive these withdrawal payments monthly, quarterly, semi-annually or annually. However, if your Contract Value is less than $25,000, we only make annual payments. The minimum amount you can
                  withdraw under this program is $100 and there is no maximum. We make systematic withdrawals on the ninth of the month, or the next Business Day if the ninth is a non-Business Day. We must receive your systematic withdrawal program form
                  instructions in Good Order at our Service Center before the end of the Business Day before we process these withdrawals, or your program does not begin until the next month. This program ends at the earlier of your request, or when you
                  withdraw your total Contract Value. However, we reserve the right to discontinue or modify the systematic withdrawal program at any time and for any reason.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
              <div style="margin-top:0.0pt;">
                <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z84bbf3e43d09443bb8a75357c129311d">

                    <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;">During the withdrawal charge period, systematic withdrawals in excess of the free withdrawal privilege are </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;">subject to a withdrawal charge, ordinary income
                              taxes, and a 10% additional federal tax if you are under age </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;">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;">.</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;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:1.9pt;">The systematic withdrawal program is not available while you are receiving RMD payments.</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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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>
          </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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_41"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you own an IRA or SEP IRA Contract, you can participate in the minimum distribution program during
                  the Accumulation Phase. If you have an Inherited IRA Contract or Inherited Roth&#160;IRA Contract we generally require you to participate in the minimum distribution program when you purchase this Contract. Under this program, we make payments
                  to you designed to meet the applicable minimum distribution requirements imposed by the Code for this Qualified Contract. RMD payments are not subject to a withdrawal charge, but they reduce the free withdrawal privilege amount during the
                  Contract Year. We do not consider deductions we make for financial adviser fees that you choose to have us pay from this Contract to be RMD payments. However, Contract Value is one of the components we use to calculate RMD payments, so
                  these deductions may reduce your future RMD payments. We apply the Daily Adjustment to the Index Option Values if RMD payments are deducted 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 make RMD payments on the ninth of the month, or the next Business Day if the ninth is a non-Business Day. We must receive your program form instructions in Good Order at our Service Center before the end of the Business Day before we
                  process these payments, or your program does not begin until the next month.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:0.0pt;">
                <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z3827ba1288e448ba9915da8512672b71">

                    <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:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.15pt;">You should consult a tax adviser before purchasing a Qualified Contract that is subject to RMD payments.</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;font-weight:bold;margin-left:1.9pt;">The minimum distribution program is not available while you are receiving systematic withdrawals, or if you </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;">have a Qualified Contract purchased through a
                              qualified plan.</font></div>
                        </div>
                      </td>
                    </tr>

                </table>
              </div>
              <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Waiver of Withdrawal Charge Benefit</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">After the first Contract Year, if any Owner becomes confined to a nursing home for a period of at least
                  90 consecutive days and a physician certifies that continued confinement is necessary, you can take withdrawals and we waive the withdrawal charge. We apply the Daily Adjustment to the Index Option Values if withdrawals under this benefit
                  are deducted on days other than a Term End Date. This waiver is not available if any Owner was confined to a nursing home on the Issue Date. We base this benefit on the Annuitant for non-individually owned Contracts. We must receive proof
                  of confinement in Good Order for each withdrawal before we waive the withdrawal charge. Withdrawals under this benefit reduce the free withdrawal privilege amount during the Contract Year.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Suspension of Payments or Transfers</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">an emergency (as determined by the SEC) exists as a result of which
                      disposal of the Variable Option shares is not reasonably practicable or we cannot reasonably value the Variable Option shares; or</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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;">
                <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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Prior to annuitization, you can take a full withdrawal and receive your total Contract Value (less the
                  withdrawal charge and contract maintenance charge). If you take a full withdrawal on any day other than a Term Start Date or Term End Date and you have Contract Value in the Index Options, we apply the Daily Adjustment to these Index
                  Option Values before we deduct the final Contract fees and expenses.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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>
            <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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_42"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Calculating Your Annuity Payments</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Contract Value 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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The age of the Annuitant and any joint Annuitant on the Annuity Date.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The gender of the Annuitant and any joint Annuitant where permitted.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the Annuity Date is not a Term End Date,&#160;Contract Value reflects&#160;the Daily Adjustment if&#160;you selected
                  an Index Option. We guarantee the dollar amount of Annuity Payments and this amount remains fixed and does not change during the entire annuity payment option period that you selected, except as provided under Annuity Option 3.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Annuity Payment Options</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">You can choose one of the Annuity Options described below&#160;or any other payment option to which we agree.
                  After Annuity Payments begin, you cannot change the Annuity Option, or transfer or withdraw Contract Value.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Option 1. Life Annuity.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Option 2. Life Annuity with Payments Over 5, 10, 15 or 20 Years Guaranteed.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> We make Annuity Payments during the life of the Annuitant, with payments for a minimum guaranteed period that you select.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Option 3. Joint and Last Survivor Annuity.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> We make Annuity Payments during the lifetimes of the Annuitant and the joint Annuitant. Upon the death of one Annuitant, Annuity Payments to the Payee continue during the
                  lifetime of the surviving joint Annuitant, at a level of 100%, 75% or 50% selected by the Owner when he or she chose this Annuity Payment option. If both Annuitants die shortly after the Annuity Date, the Payee may receive less than your
                  investment in the Contract.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Option 4. Joint and Last Survivor Annuity with Payments Over 5, 10, 15 or 20 Years
                  Guaranteed. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We make Annuity Payments during the lifetimes of the Annuitant and the joint Annuitant, with payments for a minimum guaranteed period that you
                  select.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Option 5. Refund Life Annuity. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We make Annuity Payments during the lifetime of the Annuitant, and the last payment is the one that is due before the Annuitant&#8217;s death. After the Annuitant&#8217;s death, the Payee may receive a lump sum refund. The
                  amount of the refund equals the amount applied to this Annuity Option minus the total paid under this option.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Under Annuity Options 1, 3 and 5, if all Annuitants die on or after the Annuity Date and before we send
                  the first Annuity Payment, we will cancel Annuity Payments and upon receipt of a Valid Claim we will pay the Contract Value determined on the Annuity Date to surviving individual Owner, or the Beneficiary(s) if there is no surviving
                  Owner. If the Owner is a non-individual, we pay the Owner.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">After the Annuitant&#8217;s death under Annuity Option 2, or the last surviving joint Annuitant's death under
                  Annuity Option 4, we make Annuity Payments during the remaining guaranteed period in the following order based on who is still alive: the Payee, any surviving original Owner, the last surviving Owner&#8217;s Beneficiaries, or to the last
                  surviving Owner&#8217;s estate if there are no remaining or named Beneficiaries.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Annuity Payments are usually lower if you select an Annuity Option that requires us to make more frequent
                  Annuity Payments or to make payments over a longer period of time. If you choose life contingent Annuity Payments, payout rates for a younger Annuitant are lower than the payout rates for an older Annuitant and payout rates for life with
                  a guaranteed period are typically lower than life only payments. Monthly payout rates are lower than annual payout rates, payout rates for a 20-year guaranteed period are less than payout rates for a 10-year guaranteed period, and payout
                  rates for a 50-year-old Annuitant are less than payout rates for a 70-year-old Annuitant.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
              <div style="margin-top:0.0pt;">
                <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="zf433f211e0c4443c90d1f8c3953c8503">

                    <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 you do not choose an Annuity Option before the Annuity Date, we make Annuity Payments to the Payee </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;">under Annuity Option 2 with ten years of guaranteed
                              monthly payments.</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;font-weight:bold;margin-left:1.9pt;">For Owners younger than 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;">, Annuity
                              Payments are subject to a 10% additional federal tax.</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;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:1.9pt;">For a Qualified Contract, the Annuity Payments must end ten years after the Owner&#8217;s death.</font></div>
                        </div>
                      </td>
                    </tr>

                </table>
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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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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_d2f4b69c-6a68-4021-97cb-1a5e32aa7fd0_43"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:12.0pt;margin-top:7pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">When Annuity Payments Begin</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Annuity Payments begin on the Annuity Date. Your scheduled Annuity Date is the first day of the calendar
                  month following the Annuitant&#8217;s 90th birthday and is stated in your Contract. An earlier Annuity Date or a withdrawal may be required to satisfy minimum required distribution rules under certain Qualified Contracts. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">You can make an authorized request for a different, earlier or later Annuity Date after the Issue Date, but any such request is subject
                  to applicable law and our approval.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> An earlier or later Annuity Date may not be available to you depending on the Financial Professional you purchase your
                  Contract through. The earliest available Annuity Date is 13 months after the Issue Date.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
              <div style="margin-top:0.0pt;">
                <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="zadd5f4f7fa1a433bb4d9f92d6ae32dac">

                    <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;">If on the Annuity Date (which may occur as early as
                              13 months after the Issue Date, or as late as age 100) 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:0.0pt;">Contract Value is greater than zero, you must
                              annuitize the Contract.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> We notify you of your available options 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:0.0pt;">writing 60 days in advance, including the option to extend your
                              Annuity Date if available. </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 Annuity Date you </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;">have not selected an Annuity
                              Option, we make payments under Annuity Option 2 with ten years of guaranteed </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;">monthly 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 </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;">any other periodic withdrawals or payments other than Annuity
                              Payments.</font></div>
                        </div>
                      </td>
                    </tr>

                </table>
              </div>
              <div style="line-height:1.0pt;text-align:left;"> </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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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_de7acda6-c68b-4479-9498-635c7c94123f_1"></a>
          <div style="page-break-after:always;position:relative;">
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            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:13.0pt;text-align:left;">
                <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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"> </div>
              <div style="margin-top:0.0pt;">
                <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="z976bacd6a4ab494f8c58f098bba096fc">

                    <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="3">
                        <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>
                    </tr>
                    <tr style="height:17pt;">
                      <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:87.5pt;">
                        <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 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:203pt;">
                        <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;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:203.5pt;">
                        <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:87.5pt;">
                        <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 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:203pt;">
                        <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;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:203.5pt;">
                        <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 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;">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 negative </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 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 subject to 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>
                      </td>
                    </tr>
                    <tr style="height:83pt;">
                      <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:87.5pt;">
                        <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;">Automatic </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;">Investment Plan </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;">(AIP)</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:203pt;">
                        <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 make automatic 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:0.0pt;">by electronic money transfer from your savings, </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;">checking, or brokerage account.</font></div>
                        </div>
                      </td>
                      <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:203.5pt;">
                        <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 to certain Qualified 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;Payments must be on a monthly or quarterly basis.</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;Subject to applicable Purchase Payment </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;">restrictions.</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 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;">program.</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:61pt;">
                      <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:87.5pt;">
                        <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;">Optional </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;">Reallocation </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 for the </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;">1-year Term Index </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;">Options</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:203pt;">
                        <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 for automatic transfers among the 1-year </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 Index Options to help you maintain 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;">selected allocation percentages among these 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;">Options.</font></div>
                        </div>
                      </td>
                      <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:203.5pt;">
                        <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 if you select a 3-year or&#160;6-year Term </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.</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 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;">program.</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:177.5pt;">
                      <td style="border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:87.5pt;">
                        <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;">Systematic </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;">Program</font></div>
                        </div>
                      </td>
                      <td style="border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:203pt;">
                        <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 take automatic withdrawals 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.</font></div>
                        </div>
                      </td>
                      <td style="padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:203.5pt;">
                        <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 while you are participating 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;">minimum distribution 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;Program withdrawals may be monthly, quarterly, </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;">semi-annual or annual, unless you have less than </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;">$25,000 in Contract Value, in which case 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;">annual withdrawals are 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;Program withdrawals count against free 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:7.34pt;">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 negative </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 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 subject to 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:7.34pt;">charges and income taxes, including a 10% </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;">additional 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;We reserve the right to discontinue or modify 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;">program.</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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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_de7acda6-c68b-4479-9498-635c7c94123f_2"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="margin-top:0.0pt;">
                <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="z528b7aea7be04678972487978dc59d1d">

                    <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="3">
                        <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>
                    </tr>
                    <tr style="height:17pt;">
                      <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:87.5pt;">
                        <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 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:203pt;">
                        <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;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:203.5pt;">
                        <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: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:87.5pt;">
                        <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></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></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:203pt;">
                        <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;">imposed by the Internal Revenue Code.</font></div>
                        </div>
                      </td>
                      <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:203.5pt;">
                        <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;Generally required for Inherited IRA and Inherited </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;">Roth 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 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:7.34pt;">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 negative </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 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 subject to 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, quarterly, </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;">semi-annual or annual, unless you have less than </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;">$25,000 in Contract Value, in which case 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;">annual payments are 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 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;">program subject to the requirements of law.</font></div>
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                    <tr style="height:182pt;">
                      <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:87.5pt;">
                        <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-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:203pt;">
                        <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 their </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 from this Contract, 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:0.0pt;">instruct us to withdraw the fee from 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;">and pay it to your Financial Professional or 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&#8217;s firm as instructed.</font></div>
                        </div>
                      </td>
                      <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:203.5pt;">
                        <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 treated as </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;">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 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:7.34pt;">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 negative </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 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 subject to 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:7.34pt;">charges and income taxes, including a 10% </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;">additional 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 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 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;">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 of </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;">financial adviser fees impact the Contract.</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:160pt;">
                      <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:87.5pt;">
                        <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:203pt;">
                        <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 become 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;">to a nursing home.</font></div>
                        </div>
                      </td>
                      <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:203.5pt;">
                        <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 consecutive </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;">days.</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;Requires physician certification.</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 if any Owner was confined to 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;">nursing home on the Issue Date.</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 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:7.34pt;">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 negative </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 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 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:7.34pt;">charges, but are subject to income taxes, including </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;">a 10% additional federal tax if taken before age </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;">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>
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                      </td>
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                    <tr style="height:112.5pt;">
                      <td style="border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:87.5pt;">
                        <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 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:203pt;">
                        <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 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 Value, or Guaranteed Death Benefit 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;">The Guaranteed Death Benefit Value is 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 adjusted for 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 10, </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;">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;">An example of how deduction of financial adviser </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;">fees impact the death benefit is included in section 1.</font></div>
                        </div>
                      </td>
                      <td style="padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:203.5pt;">
                        <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 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:7.34pt;">as indicated in section 1, Financial Adviser Fee </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;">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 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.</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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                      </td>
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                </table>
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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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;57&#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:0.00pt;">Standard Benefits (No Additional Charge)</font></div>
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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 Benefit</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:0.00pt;">Purpose</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:203.5pt;">
                        <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>
                    </tr>
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                      <td style="border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:87.5pt;">
                        <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 Lock</font></div>
                        </div>
                      </td>
                      <td style="border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:203pt;">
                        <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 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;">during the Term for an Index Option . Can help </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;">eliminate doubt about future Index 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:0.0pt;">possibly limit the impact of negative 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;">A Performance Lock example 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;">4, Valuing Your Contract &#8212; Performance Locks.</font></div>
                        </div>
                      </td>
                      <td style="padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:203.5pt;">
                        <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;Not available with the Index Protection Strategy </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 Options.</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 must be executed before 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.</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 Term, and will not receive 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 Credit on the Term End Date.</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 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:7.34pt;">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 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.</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 executed when Daily Adjustment has declined, </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;">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;Can be executed only once each Term for each </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.</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 be executed for only a portion of the 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;">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;Deductions (e.g. withdrawals, fees) decrease 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;">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 locked 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, except when exercised for 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;">3-year or 6-year Term Index Option, provided 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;">Lock Date occurs on or before the second 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 of a 3-year Term, on or before the fifth </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 Anniversary of a 6-year Term.</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;font-weight:bold;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;font-weight:bold;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;font-weight:bold;margin-left:7.34pt;">Performance Lock or the optimal time for doing </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;font-weight:bold;margin-left:7.34pt;">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;font-weight:bold;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;font-weight:bold;margin-left:7.34pt;">Performance Lock at a 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;font-weight:bold;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;font-weight:bold;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;font-weight:bold;margin-left:7.34pt;">Performance Lock.</font></div>
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                </table>
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              <div style="line-height:13.0pt;margin-top:16pt;text-align:left;">
                <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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Contract provides the Traditional Death Benefit for no additional charge. The death benefit is the
                  greater of the Contract Value, or Guaranteed Death Benefit Value. The Traditional Death Benefit's Guaranteed Death Benefit Value is total Purchase Payments reduced proportionately for withdrawals you take (including any withdrawal
                  charge).</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The death benefit is only available during the Accumulation Phase.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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 </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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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>
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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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Each Beneficiary&#8217;s portion of the death benefit remains in the Allocation Options based on the
                  allocation instructions that were in effect on the date of death until we receive his or her Valid Claim and we either pay the claim or the Beneficiary provides alternate allocation instructions. If there is Variable Account Value in the
                  AZL Government Money Market Fund awaiting transfer to the Index Options&#160;on the date of death, it remains there until the the next Index Anniversary. However, if before the next Index Anniversary we receive a Valid Claim and death benefit
                  payment Option A, or Annuity Payments under death benefit payment Option C is selected, we transfer the Variable Account Value on the date we receive the Valid Claim. If an Index Anniversary occurs before we receive a Valid Claim, we will
                  transfer that Beneficiary&#8217;s portion of the Variable Account Value destined for the Index Options based on the Purchase Payment default instructions that were in effect on the date of death.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">From the time we determine the death benefit until we make a complete distribution, any amount in the
                  Allocation Options continues to be subject to investment risk that is borne by the recipient(s). Once we receive notification of death, we may no longer accept or process transfer requests. After we receive the first Valid Claim from any
                  Beneficiary we also will not accept additional Purchase Payments or allow any partial or full withdrawals unless the withdrawal is required to comply with federal tax law.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">On the first death of a Determining Life during the Accumulation Phase, if the Traditional Death Benefit
                  is in effect your Beneficiary(s) will receive the greater of the Contract Value&#160;or Guaranteed Death Benefit Value.&#160;The Guaranteed Death Benefit Value is total Purchase Payments reduced proportionately for withdrawals you take (including
                  any withdrawal charge).&#160;For example, assume total Purchase Payments are $90,000, you take no withdrawals, and the current Contract Value is $100,000. The death benefit for the Traditional Death Benefit is the $100,000 Contract Value.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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-size:10pt;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;font-size:10pt;">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-size:10pt;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;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:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:6pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">What Happens Upon Death?</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you are the Determining Life, or if you and the Determining Life (Lives) are different individuals and
                  die simultaneously as described in the discussion of Beneficiaries in section 2, Ownership, Annuitants, Determining Life, Beneficiaries and Payees, we determine the Traditional Death Benefit at the end of the Business Day we receive a
                  Valid Claim. For multiple Beneficiaries, each surviving Beneficiary receives the greater of their portion of the:</font></div>
              <div>
                <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:2pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you and the Determining Life (Lives) are different individuals and do not die simultaneously, the death
                  benefit is as follows. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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:2pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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 is still in effect</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">. 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-size:10pt;font-style:italic;font-weight:bold;">and the Traditional Death Benefit ends</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">. We allocate any Contract Value increase to the Allocation
                      Options according to your Purchase Payment default instructions. If your Purchase Payment default instructions include a temporarily unavailable Index Option we will transfer the assets destined for the temporarily unavailable Index
                      Option to the AZL Government Money Market Fund and the assets will remain there until we receive alternate instructions.</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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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>
            <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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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>
            </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_de7acda6-c68b-4479-9498-635c7c94123f_5"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The Traditional Death Benefit ends 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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon the death of a Determining Life, the end of the Business Day we
                      receive a Valid Claim from all Beneficiaries if you and the Determining Life are the same individuals, or if you and the Determining Life (Lives) are different individuals and die simultaneously.</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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon the death of a Determining Life, the end of the Business Day we
                      receive due proof of the Determining Life&#8217;s death if you and the Determining Life (Lives) are different individuals and do not die simultaneously.</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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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 style="margin-top:0.0pt;">
                <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="ze555496e468d42dfb49c74e44e12f22b">

                    <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;">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</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;"> the Contract 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-style:italic;font-weight:bold;margin-left:0.0pt;">Guaranteed Death Benefit Value is
                              no longer available</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;">Also, if you and the Determining Life (Lives) are different </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;">individuals and you die first, the
                              Guaranteed Death Benefit Value is not available to your Beneficiary(s).</font></div>
                        </div>
                      </td>
                    </tr>

                </table>
              </div>
              <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Spousal Continuation:</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 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. However, spousal continuation
                  is not available if this is an Inherited IRA, or Inherited Roth IRA. 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 Qualified
                  Contracts purchased through a qualified plan and 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-size:10pt;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;font-size:10pt;"> Individuals who have entered into a registered
                  domestic partnership, civil union, or other similar relationship that is not considered to be a marriage under state law are also not considered to be married under federal law. An election by the spouse to continue the Contract must be
                  made on the death claim form before we pay the death benefit. If the deceased Owner was a Determining Life and the surviving spouse Beneficiary continues the Contract, at the end of the Business Day we receive his or her Valid Claim we
                  increase the Contract Value to equal&#160;the Guaranteed Death Benefit Value if greater and available, and the Traditional Death Benefit ends. We allocate any Contract Value increase to the Allocation Options according to Purchase Payment
                  default instructions. If your Purchase Payment default instructions include a temporarily unavailable Index Option we will transfer the assets destined for the temporarily unavailable Index Option to the AZL Government Money Market Fund
                  and the assets will remain there until we receive alternate instructions. If the surviving spouse continues the Contract:</font></div>
              <div>
                <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:2pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:2pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:6pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Death Benefit Payment Options</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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>
            <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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;60&#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_de7acda6-c68b-4479-9498-635c7c94123f_6"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Option A:</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">
                  Lump sum payment of the death benefit.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Option B:</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">
                  Payment of the entire death benefit within five years of the date of any Owner&#8217;s death. The Beneficiary can continue to make transfers between Allocation Options&#160;and is subject to&#160;a transfer fee and a 1.25% M&amp;E charge for any amounts
                  allocated to the Variable Options.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Option C:</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">
                  If the Beneficiary is an individual, payment of the death benefit as Annuity Payments under Annuity Options 1, 2, or 5. With our written consent other options may be available for payment over a period not extending beyond the
                  Beneficiary&#8217;s life expectancy under which the Beneficiary can continue to make transfers between Allocation Options&#160;and is subject to&#160;a transfer fee and a 1.25% M&amp;E charge for any amounts allocated to the Variable Options.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Distribution from Non-Qualified Contracts under Option C 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 style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;">
                <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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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-size:10pt;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;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Annuity Contracts in General</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Qualified Contracts</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you purchase the Contract as an IRA, Roth IRA, SEP IRA,&#160;Inherited IRA, Inherited Roth 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:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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>
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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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;61&#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_de7acda6-c68b-4479-9498-635c7c94123f_7"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">IRA (traditional IRA).</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Roth IRA.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">SEP IRA</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">. 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>
              <div>
                <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Inherited IRA and Inherited Roth IRA.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> The Code permits beneficiaries of investments that were issued under qualified retirement plans or IRAs to directly transfer the death benefit from that investment
                      into a variable annuity contract (Inherited IRA or Inherited Roth IRA). If you purchase this Contract as a transfer from another carrier, you will become the Owner of the new Inherited IRA or Inherited Roth IRA Contract. The ownership
                      of this Contract will also reflect the name of the deceased previous owner. Once an Inherited IRA or Inherited Roth IRA is established, no further Purchase Payments can be made. We may choose not to allow this Contact to be purchased
                      as an Inherited IRA or Inherited Roth IRA.</font></div>
                </div>
                <div style="clear:both;position:relative;"> </div>
              </div>
              <div style="line-height:12.0pt;margin-top:2pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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:5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Qualified Retirement Plans: Pension and
                      Profit-Sharing Plans.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 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:5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Purchasers of Contracts for use with pension or profit-sharing plans should obtain
                  competent tax advice as to the tax treatment and suitability of 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>
            <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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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_de7acda6-c68b-4479-9498-635c7c94123f_8"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:651pt;">
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"> </div>
              <div style="margin-top:0.0pt;">
                <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="zb913d2aff08e494eaf0a83274ca03515">

                    <tr style="height:15pt;">
                      <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:142.45pt;">
                        <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:351.55pt;">
                        <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:142.45pt;">
                        <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:351.55pt;">
                        <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:142.45pt;">
                        <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:351.55pt;">
                        <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:142.45pt;">
                        <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:351.55pt;">
                        <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:62pt;">
                      <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:142.45pt;">
                        <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="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:351.55pt;">
                        <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 </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;">must 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 </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;">Contract.</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:23pt;">
                      <td style="padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:142.45pt;">
                        <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;">Inherited IRA&#160;and Inherited Roth IRA</font></div>
                        </div>
                      </td>
                      <td style="padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:351.55pt;">
                        <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. The deceased owner of the </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;">previously held tax-qualified arrangement will also be listed in the titling of the
                              Contract.</font></div>
                        </div>
                      </td>
                    </tr>

                </table>
              </div>
              <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Non-Qualified Contracts</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Non-Qualified Contracts Owned by Non-Individuals</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Taxation of Withdrawals</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">For Non-Qualified Contracts, the taxable portion of a partial withdrawal is the portion of the payment
                  considered to be gain in the Contract (for example, the difference, if any, between the Contract Value immediately before the withdrawal,&#160;unreduced by any withdrawal charges, and the Contract&#8217;s cost basis). The withdrawals are generally
                  taxed as though you were paid taxable earnings first, and then as a non-taxable return of Purchase Payments.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;font-size:10pt;">&#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-size:10pt;">, 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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">10% Additional Federal Tax</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Withdrawals (whether partial or full) and Annuity Payments 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;font-size:10pt;">&#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-size:10pt;"> are subject to a 10% additional federal tax unless an exception applies. The exceptions are different for Qualified Contracts and
                  Non-Qualified Contracts, and are also different for IRAs and qualified plans. If the Contract is jointly owned, we send one check payable to both Joint Owners and we tax report to each Joint Owner individually. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Tax reporting to 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-size:10pt;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-size:10pt;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:33pt;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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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_de7acda6-c68b-4479-9498-635c7c94123f_9"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:9.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;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;text-align:left;width:8.33pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">1)</font></div>
                  <div style="float:left;line-height:12pt;margin-left:9.67pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;font-size:10pt;">&#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-size:10pt;">;</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;text-align:left;width:8.33pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">2)</font></div>
                  <div style="float:left;line-height:12pt;margin-left:9.67pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:8.33pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">3)</font></div>
                  <div style="float:left;line-height:12pt;margin-left:9.67pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:8.33pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">4)</font></div>
                  <div style="float:left;line-height:12pt;margin-left:9.67pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:8.33pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">5)</font></div>
                  <div style="float:left;line-height:12pt;margin-left:9.67pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:8.33pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">6)</font></div>
                  <div style="float:left;line-height:12pt;margin-left:9.67pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:8.33pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">7)</font></div>
                  <div style="float:left;line-height:12pt;margin-left:9.67pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:8.33pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">8)</font></div>
                  <div style="float:left;line-height:12pt;margin-left:9.67pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:8.33pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">9)</font></div>
                  <div style="float:left;line-height:12pt;margin-left:9.67pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:13.33pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">10)</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.67pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:13.33pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">11)</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.67pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;</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;text-align:left;width:13.33pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">12)</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.67pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">distributions made during the payment period starting on the birth of a
                      child or the finalization of an adoption (up to $5,000);</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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;text-align:left;width:13.33pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">13)</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.67pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">distributions that are qualified disaster recovery distributions;</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;text-align:left;width:13.33pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">14)</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.67pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">distributions due to having a terminal illness;</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;text-align:left;width:13.33pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">15)</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.67pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">distributions that are emergency personal expense distributions up to
                      $1,000 after December 31, 2023; 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;text-align:left;width:13.33pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">16)</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.67pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">distributions that are eligible distributions as a domestic abuse victim,
                      not to exceed the lesser of $10,000 or 50% of the IRA or qualified plan vested benefit value, after December 31, 2023.</font></div>
                </div>
                <div style="clear:both;position:relative;"> </div>
              </div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">With respect to (12) through (16) above, a qualified birth or adoption distribution, a qualified
                  disaster recovery distribution, a terminal illness distribution, an emergency personal expense distribution and an eligible distribution as a domestic abuse victim may each be repaid any time within the 3-year period from the date the
                  distribution was received 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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;font-size:10pt;">&#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-size:10pt;"> 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 prior to January 1, 2024, a 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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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% additional federal 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>
            <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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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_de7acda6-c68b-4479-9498-635c7c94123f_10"></a>
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            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:9.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;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:2.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:8.33pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">1)</font></div>
                  <div style="float:left;line-height:12pt;margin-left:9.67pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;font-size:10pt;">&#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-size:10pt;">;</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;text-align:left;width:8.33pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">2)</font></div>
                  <div style="float:left;line-height:12pt;margin-left:9.67pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">paid after you die;</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;text-align:left;width:8.33pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">3)</font></div>
                  <div style="float:left;line-height:12pt;margin-left:9.67pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:2.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:8.33pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">4)</font></div>
                  <div style="float:left;line-height:12pt;margin-left:9.67pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:8.33pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">5)</font></div>
                  <div style="float:left;line-height:12pt;margin-left:9.67pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:2.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:8.33pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">6)</font></div>
                  <div style="float:left;line-height:12pt;margin-left:9.67pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">that come from Purchase Payments made before August 14, 1982.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
                </div>
                <div style="clear:both;position:relative;"> </div>
              </div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;font-size:10pt;">&#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-size:10pt;"> 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 prior to January 1, 2024, a 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:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Non-Qualified Annuity Medicare Tax</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Payments for Financial Adviser Fees</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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-size:10pt;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;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">RMDs From Qualified Contracts</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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 73. If you reached 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;font-size:10pt;">&#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-size:10pt;"> on or before December 31, 2019, then 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;font-size:10pt;">&#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-size:10pt;"> applies instead of age 73. If you reached age 72 on or before December 31, 2022, then age 72 applies instead of age 73. If you reach age 74 after December 31, 2032, then
                  age 75 applies instead of age 73. Under a qualified plan or 403(b), the required beginning date is generally April 1 of the calendar year following the later of the calendar year in which you reach the age noted for IRAs above or retire.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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 25% excise 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;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Diversification</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Code Section 817(h) and accompanying Treasury Department Regulations imposes diversification standards
                  on the assets underlying variable annuity contracts. The Code provides that a variable annuity contract cannot be treated as an annuity contract for any period during which its investments are not adequately diversified as required by the
                  United States Treasury Department. If the Contract no longer qualifies as an annuity contract, you would be subject to federal income tax each year with respect to Contract earnings accrued. We intend&#160;to manage all available Index
                  Options, and we intend that all Variable Options be managed by the investment advisers so that they comply with these diversification standards.</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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;65&#8201;</font></div>
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              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Owner Control</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Treasury Department has indicated that the diversification regulations do not provide guidance
                  regarding the circumstances in which an Owner&#8217;s control of the Separate Account&#8217;s investments may cause the Owner to be treated as the owner of the Separate Account&#8217;s assets, which would cause the Contract to lose its favorable tax
                  treatment. In certain circumstances, variable annuity contract owners have been considered for federal income tax purposes to be the owners of the separate account&#8217;s assets, due to their ability to exercise investment control over those
                  assets. In this case, the contract owners have been currently taxed on income and gains attributable to the variable account assets. There is little guidance in this area and some of our Contract&#8217;s features, such as the flexibility of an
                  Owner to allocate Purchase Payments and transfer amounts among available Variable Options, have not been explicitly addressed in published rulings. While we believe that the Contracts do not give Owners investment control over Separate
                  Account assets, we reserve the right to modify the Contracts as necessary to prevent an Owner from being treated as the owner of the Separate Account assets.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Taxation of Annuity Payments</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">These requirements are satisfied as to any part of an Owner&#8217;s interest that is payable to, or for the
                  benefit of, a designated Beneficiary and distributed over the designated Beneficiary&#8217;s life, or over a period not extending beyond that Beneficiary&#8217;s life expectancy, provided that distributions begin within one year of the Owner&#8217;s death.
                  The designated Beneficiary refers to an individual designated by the Owner as a Beneficiary and to whom ownership of the Contract passes by reason of death.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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 </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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;66&#8201;</font></div>
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              <div style="line-height:12.0pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The payment 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) an individual not more than ten years younger than the IRA Owner, 3) a
                  minor child of the IRA Owner, 4) a chronically ill individual, or 5) disabled individual. EDB status is determined at the IRA Owner&#8217;s death.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">For a minor child Beneficiary, the payments based on life expectancy may continue only until the minor
                  child reaches the age of majority (age 21 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:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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 73 (age 75 if your spouse would have reached age 74 after December 31, 2032). 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:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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 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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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. Proposed Treasury regulations would require the successor beneficiary to receive a RMD payment each year.</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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;67&#8201;</font></div>
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              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Tax-Free Section 1035 Exchanges</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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>
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                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">you might have to pay a withdrawal charge on your previous contract,</font></div>
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                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:2.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">other fees and expenses under this Contract may be higher (or lower),</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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">the benefits may be different, 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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the exchange does not qualify for Section 1035 treatment, you also may have to pay federal income
                  tax, including a possible additional federal tax, on the exchange. You should not exchange an existing life insurance policy or another annuity contract for this Contract unless you determine the exchange is in your best interest and not
                  just better for the person selling you the Contract&#160;who generally earns a commission on each sale.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;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:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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 requesting a
                  distribution if you purchased more than one Non-Qualified Contract in any calendar year period.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Assignments, Pledges and Gratuitous Transfers</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Any assignment or pledge (or agreement to assign or pledge) the Contract Value is treated for federal
                  income tax purposes as a full withdrawal. The Contract will not qualify for tax deferral while the assignment or pledge is effective. Qualified Contracts generally cannot be assigned, pledged, or transferred to another individual. For
                  Non-Qualified Contracts, the Contract&#8217;s cost basis is increased by the amount includible as income with respect to such amount or portion, though it is not affected by any other aspect of the assignment or pledge (including its release).
                  If an Owner transfers a Non-Qualified Contract (an ownership change) without adequate consideration to a person other than their spouse (or to a former spouse incident to divorce), the Owner is taxed on the difference between his or her
                  Contract Value and the Contract&#8217;s cost basis at the time of transfer. In such case, the transferee&#8217;s investment in the Contract is increased to reflect the increase in the transferor&#8217;s income. An Owner should consult a tax adviser before
                  requesting an assignment, transfer, or pledge.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Income Tax Withholding</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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>
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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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;68&#8201;</font></div>
            </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>
      <div>
        <div><a name="xx_de7acda6-c68b-4479-9498-635c7c94123f_14"></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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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>
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              <div>
                <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">RMDs; or</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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">any part of a distribution not included in gross income (for example,
                      returns of after-tax contributions); or</font></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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">hardship withdrawals.</font></div>
                </div>
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              </div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Plan participants should consult a tax adviser regarding income tax withholding requirements.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Federal Estate Taxes</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Generation-Skipping Transfer Tax</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Foreign Tax Credits</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Possible Tax Law Changes</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:11.5pt;text-align:left;">
                <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:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">The Registered Separate Account</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We established Allianz Life of NY Variable Account C (the Separate Account, formerly Preferred Life
                  Variable Account C), as a separate account under New York State insurance law on February 26, 1988. The Separate Account is registered with the SEC as a unit investment trust under the Investment Company Act of 1940. The SEC does not
                  supervise our management of the Separate Account.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Separate Account holds the Variable Options' shares that have been purchased with Contract assets.
                  We keep the Separate Account assets separate from the assets of our general account and other separate accounts, including the non-unitized separate accounts we established in connection with the Index Options. The Separate Account is
                  divided into subaccounts, each of which invests exclusively in a single Variable Option.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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 our other assets. The Separate Account&#8217;s assets are insulated, so that the assets cannot be used to pay any of our
                  liabilities, other than those arising from the investment of Contract assets in the Variable Options.</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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;69&#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_de7acda6-c68b-4479-9498-635c7c94123f_15"></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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the Separate Account&#8217;s assets exceed the required reserves and other liabilities, we may transfer the
                  excess to our general account, to the extent of seed money invested by us or earned fees and expenses. The obligations under the Contracts are obligations of Allianz Life of New York. We are obligated to pay all amounts promised to
                  investors under the Contracts.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Our General Account</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Our general account assets fund guarantees provided in the Contracts. 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;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Our Unregistered Separate Account</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We allocate all assets backing the Index Options to an unregistered, non-unitized, non-insulated
                  separate account (Separate Account IANY), which we established under New York Insurance Law solely for the purpose of supporting our obligations to pay Performance Credits associated with the Index Options. Separate Account IANY has two
                  subaccounts: Subaccount IABV (which is a book value subaccount) and Subaccount IAMV (which is a market value subaccount).</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Initially, a substantial majority of the aggregate assets backing the Index Options are allocated to
                  Subaccount IABV. We hold all other assets that you allocate to the Index Options that are not invested in Subaccount IABV in Subaccount IAMV. Subsequently, there may be significant transfer of assets between Subaccount IABV and Subaccount
                  IAMV in response to Index performance during the then-current Index Year. We typically transfer assets between the subaccounts if there is a 10% incremental change in year-to-date Index performance. For the Index Performance Strategy this
                  starts at a -10% decrease in the market; for the Index Protection NY Strategy, this starts at a -30% decrease in the market. We monitor year-to-date Index performance daily and change allocations daily if needed based on this 10%
                  increment.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We invest the assets in Subaccount IAMV in hedging instruments, including derivative investments such as
                  put and call options, as well as cash and fixed income securities. Like our general account, the assets in Separate Account IANY are subject to our general business operation liabilities and the claims of our creditors.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">An Owner who allocates Contract Value to an Index Option does not have any interest in or claim on the
                  assets in Separate Account IANY. In addition, neither the Owner nor the Index Options participate in any way in the performance of assets held in Separate Account IANY.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Distribution</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We may fund ALFS operating and other expenses, including:</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">overhead,</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
                </div>
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              </div>
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                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">legal fees,</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
                </div>
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              </div>
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                <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">accounting fees,</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
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                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Financial Professional training,</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
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              </div>
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                <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">compensation for the ALFS management team, and</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
                </div>
                <div style="clear:both;position:relative;"> </div>
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                <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">other expenses associated with the Contracts.</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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;70&#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>
      <div>
        <div><a name="xx_de7acda6-c68b-4479-9498-635c7c94123f_16"></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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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 style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We and/or ALFS may pay certain selling firms additional marketing support allowances for:</font></div>
              <div>
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                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">marketing services and increased access to their Financial Professionals;</font></div>
                </div>
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              </div>
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                <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">sales promotions relating to the Contracts;</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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">costs associated with sales conferences and educational seminars;</font></div>
                </div>
                <div style="clear:both;position:relative;"> </div>
              </div>
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                <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">the cost of client meetings and presentations; 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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We may also make payments for marketing and wholesaling support to broker-dealer affiliates of Variable
                  Options that are available through the annuities we offer.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Variable Options may assess a Rule 12b-1 fee. These fees are paid to ALFS as consideration for
                  providing distribution and certain other services and incurring certain expenses permitted under the Variable Option&#8217;s plan. These fees typically equal 0.25% of a Variable Option&#8217;s average daily net assets for the most recent calendar
                  year.</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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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_de7acda6-c68b-4479-9498-635c7c94123f_17"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">In certain instances, an investment adviser and/or subadviser (and/or their affiliates) of a Variable
                  Option may make payments for administrative services to ALFS or its affiliates.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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 style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Additional Credits for Certain Groups</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Administration/Allianz Service Center</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Allianz Service Center performs certain administrative services regarding the Contracts and is
                  located at 5701 Golden Hills Drive, Minneapolis, Minnesota. The Service Center mailing address and telephone number are listed at the back of this prospectus. The administrative and routine customer services performed by our Service
                  Center include processing and mailing of account statements and other mailings to Owners, responding to Owner correspondence and inquiries. Allianz Life Insurance Company of North America (as service provider for the Contracts) also
                  contracts with Tata Consultancy Services (Tata) located at #42(P) &amp; 45(P), Think Campus, Electronic City, Phase II, Bangalore, Karnataka 560100, India, to perform certain administrative services including:</font></div>
              <div>
                <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">issuance and&#160;maintenance of the Contracts,</font></div>
                </div>
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              </div>
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                <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:10.63pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8722;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:10.63pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8722;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:10.63pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8722;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">To reduce expenses, only one copy of most financial reports and prospectuses, including reports and
                  prospectuses for the Variable Options, may be mailed to your household, even if you or other persons in your household have more than one contract issued by us or our affiliate. Call our Service Center at the toll-free telephone number
                  listed at the back of this prospectus if you need additional copies of financial reports, prospectuses, or annual and semiannual reports, or if you would like to receive one copy for each contract in future mailings.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Legal Proceedings</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Like other life insurance companies, we from time to time are involved in legal proceedings of various
                  kinds, including regulatory proceedings and individual and class action lawsuits. In some legal proceedings involving insurers, substantial damages have been sought and/or material settlement payments have been made. Although the outcome
                  of any such proceedings cannot be predicted with certainty, we believe that, at the present time, there are no pending or threatened legal proceedings to which we, the Separate Account, or ALFS is a party that are reasonably likely to
                  materially affect the Separate Account, our ability to meet our obligations under the Contracts, or ALFS ability to perform its obligations.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Status Pursuant to Securities Exchange Act of 1934</font></div>
              <div style="line-height:10.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Allianz Life of New York hereby relies on the exemption provided by Rule 12h-7 under the Securities
                  Exchange Act of 1934 from the requirement to file reports pursuant to Section 15(d) of that Act.</font></div>
              <div style="line-height:13.0pt;margin-top:11.5pt;text-align:left;">
                <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 of New York</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Allianz Life of New York is a stock life insurance company organized under the laws of the State of New
                  York on September 21, 1982. Our address is 1633 Broadway, 42nd Floor, New York, NY 10019-7585. Before January 1, 2003, Allianz Life of New York was known as Preferred Life Insurance Company of New York. We are a subsidiary of Allianz Life
                  Insurance Company of North America (Allianz Life), which is also a stock life insurance company. Allianz Life is a subsidiary of Allianz of America, Inc. (AZOA), a financial holding company. AZOA is a wholly owned subsidiary of Allianz
                  Europe, B.V., which in turn is a wholly owned subsidiary of Allianz SE, which is registered in Munich, Germany. We currently offer registered index-linked annuities and are licensed to do direct business in six states, including New York
                  and the District of Columbia. This prospectus currently is offered only in New York.</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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
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              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Directors, Executive Officers and Corporate Governance</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BOARD OF DIRECTORS</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Board currently consists of nine members, including our Chair and Chief Executive Officer, our
                  President, our Chief Financial Officer and Treasurer, our Vice President, Appointed Actuary, three independent outside board members,&#160;and two&#160;other non-independent board members. Age and positions are provided as of December 31, 2022,
                  except as otherwise noted.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Board holds regular semi-annual meetings, generally in April and November of each year, and holds
                  special meetings or takes action by unanimous written consent as circumstances warrant. There was also one special joint meeting of the Board held in 2022 with the Board of Directors of Allianz Life Insurance Company of North America, the
                  Company&#8217;s parent. The Board has standing Executive, Audit and Evaluation, Conflict of Interest, and Finance Committees, each of which is described in further detail below.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The current members of our Board are as follows.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Jasmine M. Jirele</font> <br>
                <font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;">Chair, Director, and Chief Executive Officer</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Jasmine M. Jirele, age 45, joined Allianz Life in 2018 and currently serves as the Chair of the Board
                  and the Chief Executive Officer of Allianz Life Insurance Company of New York and the Chair of its Executive and Conflict of Interest committees, respectively. Ms. Jirele also serves as the President and Chief Executive Officer of Allianz
                  Life, and as a member of its Board and Executive Committee. 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
                  Investment Management U.S. LLC, and as a Director of Allianz Australia Life Insurance Holdings Limited, Allianz Australia Life Insurance Limited and Allianz Australia Life Policy Services Pty Limited, respectively.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Previously, Ms. Jirele was the Senior Vice President, Chief Growth Officer of Allianz Life from October
                  2018 to September 2021. In that role, Ms. Jirele was responsible for the oversight of new business strategy, product innovation, marketing, and corporate communications. Previously, Ms. Jirele was a Governor of Allianz Strategic
                  Investments, LLC from January to October 2021 and a Governor of Allianz Individual Insurance Group, LLC and TruChoice Financial Group, LLC from September 2021 to November 2022, respectively. She was previously a Governor of Allianz
                  Investment Management LLC from January 1, 2021 to February 15, 2022. Ms. Jirele was also the President of AZOA Services Corporation from September 2021 to March 2022. Prior to that, Ms. Jirele was the Executive Vice President, Head of
                  Customer Excellence at Wells Fargo Consumer Bank/Consumer Auto.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">William E. Gaumond</font> <br>
                <font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;">Director, Chief
                  Financial Officer, and Treasurer</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">William E. Gaumond, age 49, currently serves as the Chief Financial Officer and Treasurer, and as a member
                  of the Board of Directors of Allianz Life of New York since January 1, 2016. Mr. Gaumond also serves as Chair of its Finance Committee and as a member of its Executive Committee, respectively. Mr. Gaumond joined Allianz Life in 2004 and
                  currently serves as the Senior Vice President, Chief Financial Officer and Treasurer, and as a member of its Board of Directors.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Mr. Gaumond also serves as the Chief Financial Officer of Allianz Foundation for North America since March
                  2016. He also serves as a Governor of 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.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Mr. Gaumond also serves as a Director and President of AZOA Services Corporation and PHP Holdings, Inc.,
                  respectively. He is also a Director of Questar Agency, Inc., Questar Capital Corporation, Yorktown Financial Companies, Inc., and Allianz Technology of America, Inc., respectively. Mr. Gaumond also serves as Director of Allianz of
                  America, Inc., and as its Executive Vice President. He also serves as a Director of Allianz Finance Corporation, and as its Chief Financial Officer and Treasurer.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Mr. Gaumond previously served as a Director of Questar Asset Management, Inc. from January 2016 to
                  September 2021, and as a Governor of Allianz Individual Insurance Group, LLC and TruChoice Financial Group, LLC from January 2018 </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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
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              <div style="line-height:12.0pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">to November 2022, respectively. Mr. Gaumond previously served as the Interim Controller for Allianz Life and Allianz Life
                  of New York, the Interim Treasurer for Allianz Foundation for North America, from October 2022 through March 2023. Mr. Gaumond also served as the interim Vice President, Controller and Assistant Treasurer and a Director of Allianz Life
                  Insurance Company of Missouri until April 2023. 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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Eric J. Thomes</font> <br>
                <font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;">Director and President</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Eric J. Thomes, age 50, joined Allianz Life of New York on April 1, 2019, and currently serves as the
                  President and as a member of the Board of Directors. Mr. Thomes also serves as the Senior Vice President, Chief Distribution Officer of Allianz Life. Mr. Thomes also serves as a Governor, and as the Chief Executive Officer and Chief
                  Manager of Allianz Life Financial Services, LLC. He also serves as the President and Chief Executive Officer and Board Chair of Yorktown Financial Companies, Inc., Questar Agency, Inc. and Questar Capital Corporation, respectively. Mr.
                  Thomes previously served as Director of Questar Asset Management, Inc. from April 2019 to September 2021. He also served as a Governor of Allianz Individual Insurance Group, LLC, and TruChoice Financial Group, LLC, from April 2019 to
                  November 2022, 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.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Mr. Thomes brings to the Board extensive financial services and insurance industry experience.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Jesse J. Kling</font> <br>
                <font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;">Director and Vice President, Appointed Actuary</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Jesse J. Kling, age 43, joined Allianz Life of New York&#8217;s Board of Directors on May 16, 2022, and is the
                  Vice President, Appointed Actuary of Allianz Life of New York since May 3, 2022, and is a member of its Finance Committee. Mr. Kling also serves as the Vice President, Actuarial Financial Reporting and Analysis and Appointed Actuary of
                  Allianz Life. Mr. Kling also is a Director, President and Chief Executive Officer, and Appointed Actuary of Allianz Life Insurance Company of Missouri. He also serves as a member of the Employee Benefits Administration Committee of AZOA
                  Services Corporation since July 2022.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Mr. Kling joined Allianz Life in June 2002. Previously, Mr. Kling served as Illustration Actuary for
                  Allianz Life of New York from November 2012, to May 2022, and as Assistant Vice President, Actuary of Allianz Life from April 2018, to May 2022, and as Illustration Actuary of Allianz Life from November 2012, to May 2022. Mr. Kling brings
                  to the Board extensive experience in actuarial and financial performance matters.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Ronald M. Clark</font> <br>
                <font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;">Director</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Ronald M. Clark, age 75, joined Allianz Life of New York&#8217;s Board of Directors on March 31, 2013, and is a
                  member of its Audit and Evaluation Committee and its Finance Committee. Mr. Clark also serves as a Director and Audit Committee Chair of Allianz Reinsurance America, Inc. Mr. Clark also serves as a Director of Manitex International, Inc.,
                  a public company, as the Chair of its Compensation Committee, and as a member of its Audit Committee. Mr. Clark has over 40 years of experience in investments, having served as the President of Allianz Investment Corporation from 1980 to
                  1990, the Chief Operating Officer of Allianz of America, Inc. (&#8220;AZOA&#8221;) from 1990 to 2001, the Chief Investment Officer of AZOA from 2002 to 2011, and as a Director of Fireman&#8217;s Fund Insurance Company from 2014 to 2015. Mr. Clark
                  previously served as a Director of Allianz Life and as the Chair of its Nomination, Evaluation and Compensation Committee, and as a member of its Audit and Executive Committees from 2014 to 2020.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Mr. Clark brings to the Board extensive experience in the financial services and insurance industries, as
                  well as extensive experience with investment matters.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Martha Clark Goss</font> <br>
                <font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;">Director</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Martha Clark Goss, age 73, joined Allianz Life of New York&#8217;s Board of Directors on October 15, 2005, and
                  is the Chair of its Audit and Evaluation Committee, and a member of its Conflict of Interest Committee. Ms. Goss has more than 40 years of executive experience, primarily in finance and investments and risk management. Since 1992, she has
                  served on a </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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
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              <div style="line-height:12.0pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">number of public and private company boards, has provided independent consulting services to various companies and serves
                  as an instructor for executive leadership training for Deloitte LLP. Ms. Goss currently serves as a director of American Water Works Company, Inc. and Neuberger Berman Mutual Funds. Ms. Goss brings to the Board extensive experience in the
                  financial services industry as well as expertise on corporate governance and risk management matters. The Board also benefits from her perspective as a current and former director of other companies.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Lorraine Lods</font> <br>
                <font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;">Director</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Lorraine Lods, age 54, joined Allianz Life of New York&#8217;s Board of Directors on October 1, 2018. Ms. Lods
                  has over 30 years of insurance and financial service experience. Ms. Lods currently serves as Regional Vice President of Allianz Life Financial Services, LLC covering the New York City-Long Island Territory since 2009. Ms. Lods brings to
                  the Board extensive experience in the insurance industry as well as extensive experience in wholesaling.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Gary A. Smith</font> <br>
                <font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;">Director</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Gary A. Smith, age 63, joined Allianz Life of New York&#8217;s Board of Directors on May 10, 2005. He
                  previously served as a member of its Audit and Evaluation Committee from May 2005 to August 2018. Mr. Smith is Co-Founder and Senior Partner of Ivy Planning Group (Ivy), a 30-year-old management consulting and training company
                  specializing in strategy, diversity, leadership and change management. Mr. Smith has over 30 years of experience in strategy, technology, management consulting and executive coaching to large private sector companies and government
                  organizations. Mr. Smith has successfully developed and implemented strategies, led teams, and served the needs of a wide spectrum of clients, sharing best practices in management consulting in multiple venues. Mr. Smith brings to the
                  Board extensive experience in management consulting and diversity initiatives.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Kevin E. Walker</font> <br>
                <font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;">Director</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Kevin E. Walker, age 60, joined Allianz Life of New York&#8217;s Board of Directors on October 1, 2018, and is
                  a member of its Audit and Evaluation Committee and its Executive Committee. Mr. Walker also serves on Allianz Life&#8217;s Board of Directors and is a member of its Audit Committee and Chair of its Nomination, Evaluation and Compensation
                  Committee, respectively. Mr. Walker serves as the Chair and Director of Allianz Reinsurance America, Inc., and is a member of its Audit Committee and Executive Committee. 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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXECUTIVE OFFICERS</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The current executive officers (other than Ms. Jirele and Messrs. Gaumond, Kling and Thomes) 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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Karim Akhavan-Hezavei</font> <br>
                <font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;">Chief Operating Officer&#160;</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Karim Akhavan-Hezavei, age 46, joined Allianz Life of New York August 1, 2022 and serve as the Chief
                  Operating Officer. Mr. Akhavan-Hezavei also serve as the Senior Vice President, Chief Operating Officer. Mr. Akhavan-Hezavei is responsible for Enterprise Operations, IT, and IT Security functions.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Mr. Akhavan-Hezavei was previously the Chief Operating Officer for Allianz Services from January 2019 to
                  July 2022. He was also a member of the Allianz Services Executive Management team with responsibility for operations and IT, global projects, and development of global business models.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Mr. Akhavan-Hezavei has served at various Allianz affiliates since 2013 in a variety of senior
                  leadership roles. Prior to joining Allianz, he held positions with Siemens and Ernst &amp; Young Consulting. Mr. Akhavan-Hezavei has a Master&#8217;s degree in Economics from Ludwig-Maximillans University in Munich, Germany.</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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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_de7acda6-c68b-4479-9498-635c7c94123f_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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Gretchen Cepek</font> <br>
                <font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;">Chief Legal Officer and Secretary</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Gretchen Cepek, age 54, joined Allianz Life of New York on February 17, 2012 and currently serves as the
                  Chief Legal Officer and Secretary and as a member of its Conflict of Interest Committee. Ms. Cepek is responsible for the legal, ethics and compliance departments as well as government relations and the special investigations unit. Ms.
                  Cepek also serves as the Senior Vice President, General Counsel and Secretary of Allianz Life and as the General Counsel and Secretary of AZOA Services Corporation. 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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Neil H. McKay</font> <br>
                <font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;">Chief Actuary</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Neil H. McKay, age 61, joined Allianz Life of New York in 1999 and currently serves as the Chief Actuary
                  since April 8, 2014. Mr. McKay also currently serves as the Senior Vice President, Chief Actuary of Allianz Life. Mr. McKay is responsible for all of the actuarial functions of Allianz Life of New York and Allianz Life, including the
                  actuarial assumptions underlying its products and the rate setting associated with existing and new products.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Jean-Roch P.F. Sibille</font> <br>
                <font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;">Chief Investment Officer</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Jean-Roch P.F. Sibille, age 40, joined Allianz Life of New York in October 2018 and currently serves as
                  the Chief Investment Officer since May 3, 2022. He also currently serves as the Senior Vice President, Chief Investment Officer of Allianz Life, and the Chief Investment Officer of Allianz Life Insurance Company of Missouri, LLC,
                  respectively. Mr. Sibille is a Governor and the Chief Executive Officer of Allianz Investment Management U.S. LLC and a Governor of Allianz Investment Management, LLC and 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. He also serves as a Director and the President of
                  Allianz Finance Corporation.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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 Risk Dynamics.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CORPORATE GOVERNANCE</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Committees of the Board</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Executive Committee of the Board (&#8220;Executive Committee&#8221;) is currently composed of Ms. Jirele
                  (Chair), and Messrs. Gaumond and Walker. The function of the Executive Committee is to exercise the authority of the Board between meetings of the Board, with the exceptions set forth in Allianz Life of New York&#8217;s By-Laws. The Executive
                  Committee&#160;did not meet in 2022.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Audit and Evaluation Committee of the Board is currently composed of Ms. Goss (Chair) and Messrs.
                  Clark and Walker. The Audit and Evaluation Committee is responsible for recommending the selection of independent certified public accountants, reviewing Allianz Life of New York&#8217;s financial condition and the scope and results of the
                  independent audit and any internal audit, nominating candidates for director, evaluating the performance of principal officers deemed by the Audit and Evaluation Committee to be principal officers of Allianz Life of New York and
                  recommending to the Board of Directors the selection and compensation of such principal officers and any plan to issue options to its officers and employees for the purchase of shares of stock. The Audit and Evaluation Committee met two
                  times in 2022.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Conflict of Interest Committee of the Board is currently composed of Ms. Jirele (Chair), and Mss.
                  Cepek and Goss. The Conflict of Interest Committee assists Allianz Life of New York in addressing ethics and conflict of interest matters. The Conflict of Interest Committee met once in 2022.</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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;76&#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><a name="xx_de7acda6-c68b-4479-9498-635c7c94123f_22"></a>
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            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Finance Committee of the Board is currently composed of Messrs. Gaumond (Chair), Clark and Kling. Mr.
                  Kling replaced Mr. Steven J. Thiel on May 16, 2022. The Finance Committee is responsible for exercising all the powers of the Board of Directors with respect to the investments of the funds of Allianz Life of New York. The Finance
                  Committee met two times in 2022.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Independence of Certain Directors</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Allianz Life of New York is not subject to the independence standards of the New York Stock Exchange or
                  any other national securities exchange, but is subject to the independence standards set out in New York Insurance laws and the Model Audit Rule. Applying the independence standards of the Model Audit Rule to the current members of
                  Allianz Life of New York&#8217;s Board of Directors, as well as the members that served on Allianz Life of New York&#8217;s Audit and Evaluation Committee during 2022, the Board of Directors has determined that Ms. Goss and Messrs. Clark and Walker
                  are &#8220;independent&#8221; under those standards.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Code of Ethics</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">All of our officers and employees, including our Chief Executive Officer, President, Chief Financial
                  Officer and Controller, are subject to Allianz Life of New York&#8217;s Code of Ethics.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Executive Compensation</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-decoration:underline;">Compensation Discussion and Analysis</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">In this section, we provide an overview of the goals and principal components of our executive
                  compensation program and describe how we determine the compensation of our &#8220;Named Executive Officers&#8221; or &#8220;NEOs.&#8221; Allianz Life of New York is a subsidiary of Allianz Life. Each of our NEOs is employed by both Allianz Life of New York and
                  Allianz Life. Our NEOs are compensated directly by Allianz Life. Allianz Life charges Allianz Life of New York an allocated percentage of each NEO&#8217;s compensation. The allocated percentage of compensation charged to Allianz Life of New
                  York for our NEOs during the year ended December 31, 2022 is set forth below and hereafter referred to as the &#8220;Allocation Percentages.&#8221; For 2022, our NEOs were:</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
              <div style="line-height:0.0pt;text-align:left;"> </div>
              <div style="margin-top:0.0pt;">
                <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:372pt;" id="z4cbe21bf2da343f58448bcf90c96550a">

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                        <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><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>
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                      <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:84pt;">
                        <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;">Title</font></div>
                        </div>
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                      <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:82.5pt;">
                        <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;">Allocation </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;">Percentages</font></div>
                        </div>
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                    <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:205.5pt;">
                        <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:84pt;">
                        <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;">Chair and Chief </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;">Executive Officer</font></div>
                        </div>
                      </td>
                      <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:82.5pt;">
                        <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;">5.00%</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:205.5pt;">
                        <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-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:84pt;">
                        <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;">Chief Financial Officer </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;">and Treasurer</font></div>
                        </div>
                      </td>
                      <td style="padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:82.5pt;">
                        <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;">5.00%</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;text-align:left;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;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">Our two most highly paid executive officers other than our principal
                      executive officer and principal financial officer are not included as NEOs for 2022 because their total compensation allocable to Allianz Life of New York did not exceed the $100,000 threshold established by SEC rules.&#160;</font></div>
                </div>
                <div style="clear:both;position:relative;"> </div>
              </div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:6pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-decoration:underline;">Executive Summary</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Our NEOs are also officers of Allianz Life, our parent company, and are not paid additional compensation
                  for serving as executive officers of Allianz Life of New York. Instead, our NEOs are paid directly by Allianz Life with a certain portion of their Allianz Life compensation allocated to Allianz Life of New York, which allocation is
                  reviewed and approved by our Audit and Evaluation Committee with respect to those NEOs that are also the NY Principal Officers. The &#8220;NY Principal Officers&#8221; are the Chief Executive Officer, President, Chief Legal Officer, and Secretary,
                  Chief Administrative Officer and Chief Financial Officer and Treasurer. Therefore, our parent company, Allianz Life, establishes our NEOs&#8217; compensation programs with our Audit and Evaluation Committee reviewing and approving the
                  compensation allocations to Allianz Life of New York with respect to our NY Principal Officers. Allianz Life&#8217;s compensation programs are intended to align our NEOs&#8217; interests with those of our ultimate stockholder, Allianz SE, the
                  ultimate parent company of Allianz Life and Allianz Life of New York. Allianz Life&#8217;s compensation programs are designed to reward performance that meets or exceeds the goals established by the Compensation Committee, a management
                  committee of Allianz Life. Allianz Life is tasked with establishing the executive compensation philosophy. In line with Allianz Life&#8217;s compensation philosophy described below, the total compensation received by our NEOs will vary based on
                  individual and corporate performance in light of annual and long-term performance goals. Our NEOs&#8217; total compensation is composed of a mix of annual base salary, annual cash awards based on corporate objectives and executive performance
                  factors and long-term equity incentive awards in the form of restricted stock units of the equity securities of Allianz SE.</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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;77&#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_de7acda6-c68b-4479-9498-635c7c94123f_23"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">Compensation Philosophy and Strategy</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">Overview</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">Compensation Components</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"> </div>
              <div style="margin-top:0.0pt;">
                <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="zb73144346a4a44398fc8680cd7e18747">

                    <tr style="height:15pt;">
                      <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:118.5pt;">
                        <div style="line-height:13.0pt;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:10pt;font-weight:bold;margin-left:0.00pt;">Compensation Element</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:245pt;">
                        <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;font-weight:bold;margin-left:0.00pt;">Description</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:130.5pt;">
                        <div style="line-height:13.0pt;text-align:left;">
                          <div style="margin-left:5.75pt;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;">Objective</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;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">How Compensation Decisions Are Made</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">Role of the Board of Directors and Compensation Committee</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The framework governing the executive compensation policies for Allianz Life, which directly compensates
                  the executives of Allianz Life of New York, except as such policies relate to the compensation for the Chief Executive Officer, is set through the Compensation Committee of Allianz Life. Decisions affecting the compensation of the Chief
                  Executive Officer </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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;78&#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>
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              <div style="line-height:12.0pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">are outside the scope of the Allianz Life Compensation Committee. Any such decisions are made by Allianz SE, subject to
                  review by the Nomination, Evaluation and Compensation Committee of the Allianz Life Board of Directors (the &#8220;NEC Committee&#8221;), and final approval by Allianz Life&#8217;s Board of Directors. With respect to the compensation of other &#8220;principal
                  officers&#8221; selected by the Board for purposes of the duties of the NEC Committee under Minn. Stat. &#167; 60D.20, subd. 3(d), the Compensation Committee&#8217;s decisions are similarly subject to review by the NEC Committee and final approval by
                  Allianz Life&#8217;s Board. The &#8220;principal officers&#8221; include the Chief Executive Officer, Chief Financial Officer, and General Counsel. Allianz Life&#8217;s Board has delegated the following responsibilities to the Compensation Committee:</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:2.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">Role of the Chief Executive Officer</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">Role of Allianz Life&#8217;s Human Resources</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;"> </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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;79&#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_de7acda6-c68b-4479-9498-635c7c94123f_25"></a>
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            <div style="clear:both;"> </div>
            <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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;margin-top:2.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">Use of Competitive Compensation Data</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">Internal Pay Equity Analysis</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">Base Salary</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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_de7acda6-c68b-4479-9498-635c7c94123f_26"></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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">AIP</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">AEI</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:2pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:2pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:2pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">encourage the retention of employees who have demonstrated exceptional
                      performance and/or are anticipated to significantly contribute to the long-term success of Allianz.</font></div>
                </div>
                <div style="clear:both;position:relative;"> </div>
              </div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">Benefit Perquisites</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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 $22,875 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:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">Certain Retention Arrangements&#160;</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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.&#160;In addition, Allianz Life maintains retention bonus arrangements with certain executives, pursuant to which retention bonus payments are paid so long as such
                  executive remains employed with Allianz Life in good standing.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">Severance Arrangements</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Allianz Life 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;font-size:10pt;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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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_de7acda6-c68b-4479-9498-635c7c94123f_27"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Other than the Executive Severance Plan, which is described later in this section, our NEOs 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;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">Other Compensation Policies</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">Tax and Accounting Implications</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Stock-Based Compensation</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">. 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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">Recently Discontinued Compensation Programs</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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 will occur in 2023.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">Summary Compensation Table</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"> </div>
              <div style="margin-top:0.0pt;">
                <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="z7b84393a7fcb479c956778c69729deaf">

                    <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:99.29pt;">
                        <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:62.24pt;">
                        <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;">NY Allocation %</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:35.71pt;">
                        <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:35.71pt;">
                        <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:35.71pt;">
                        <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;">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;">(2)</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;">(3)</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:37.86pt;">
                        <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: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:99.29pt;">
                        <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)</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;">Chair 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: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;">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:62.24pt;">
                        <div style="line-height:11.0pt;text-align:left;">
                          <div style="margin-left:21.82pt;margin-right:21.82pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">5.00%</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:35.71pt;">
                        <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;">$37,500</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:35.71pt;">
                        <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;">$10,000</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:35.71pt;">
                        <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;">$67,444</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:39.84pt;margin-right:39.84pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$44,963</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:18.72pt;margin-right:18.72pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$1,191</font></div>
                        </div>
                      </td>
                      <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:37.86pt;">
                        <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;">$161,097</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:99.29pt;">
                        <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;">Chief Financial Officer 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;">Treasurer</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;">2022</font></div>
                        </div>
                      </td>
                      <td style="border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:62.24pt;">
                        <div style="line-height:11.0pt;text-align:left;">
                          <div style="margin-left:21.82pt;margin-right:21.82pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">5.00%</font></div>
                        </div>
                      </td>
                      <td style="border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:35.71pt;">
                        <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;">$25,261</font></div>
                        </div>
                      </td>
                      <td style="border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:35.71pt;">
                        <div style="line-height:11.0pt;text-align:left;">
                          <div style="margin-left:6.00pt;margin-right:6.00pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:16.41pt;">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:35.71pt;">
                        <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;">$47,125</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:39.84pt;margin-right:39.84pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$21,417</font></div>
                        </div>
                      </td>
                      <td style="border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:57.5pt;">
                        <div style="line-height:11.0pt;text-align:left;">
                          <div style="margin-left:18.72pt;margin-right:18.72pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$1,242</font></div>
                        </div>
                      </td>
                      <td style="padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:37.86pt;">
                        <div style="line-height:11.0pt;text-align:left;">
                          <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:3.65pt;">95,045</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;text-align:left;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;text-align:left;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;text-align:left;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;text-align:left;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 2023 for the 2022 performance year have a March 2027 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 </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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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_de7acda6-c68b-4479-9498-635c7c94123f_28"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:10.0pt;margin-left:18pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">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;margin-top:1.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:10pt;text-align:left;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;text-align:left;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;text-align:left;"> </div>
              <div style="margin-top:0.0pt;">
                <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="z08567029044f45558d6ae143e2820b71">

                    <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:159.46pt;">
                        <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: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;">(4)</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:43.69pt;">
                        <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;">Life</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;line-height:10pt;"> </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;">Insurance</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;line-height:10pt;"> </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:46.6pt;">
                        <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;">Employer</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;line-height:10pt;"> </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;">Match to</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;line-height:10pt;"> </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;">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><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;line-height:10pt;"> </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;">(5)</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:30.56pt;">
                        <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:159.46pt;">
                        <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;">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:55.84pt;">
                        <div style="line-height:11.0pt;text-align:left;">
                          <div style="margin-left:22.45pt;margin-right:22.45pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$13</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:43.69pt;">
                        <div style="line-height:11.0pt;text-align:left;">
                          <div style="margin-left:16.375pt;margin-right:16.375pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$34</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:46.6pt;">
                        <div style="line-height:11.0pt;text-align:left;">
                          <div style="margin-left:13.27pt;margin-right:13.27pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$1,025</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:21.575pt;margin-right:21.575pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$119</font></div>
                        </div>
                      </td>
                      <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:30.56pt;">
                        <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;">$1,191</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:159.46pt;">
                        <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-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;">2022</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:22.45pt;margin-right:22.45pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$64</font></div>
                        </div>
                      </td>
                      <td style="border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:43.69pt;">
                        <div style="line-height:11.0pt;text-align:left;">
                          <div style="margin-left:16.375pt;margin-right:16.375pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$35</font></div>
                        </div>
                      </td>
                      <td style="border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:46.6pt;">
                        <div style="line-height:11.0pt;text-align:left;">
                          <div style="margin-left:13.27pt;margin-right:13.27pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$1,025</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:21.575pt;margin-right:21.575pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$119</font></div>
                        </div>
                      </td>
                      <td style="padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:30.56pt;">
                        <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;">$1,242</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;text-align:left;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;text-align:left;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;text-align:left;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;text-align:left;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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">Performance-Based Incentive Compensation Plans</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">AIP</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The AIP is intended to provide an incentive that will encourage superior individual performance and
                  encourage retention of employees who have demonstrated exceptional performance or who are anticipated to significantly contribute to long-term success. The AIP seeks to accomplish this purpose by providing a bonus opportunity to eligible
                  employees who have made significant contributions during the plan year to the achievement of annual goals and objectives. The guidelines 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 style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">AEI</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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>
            <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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;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_de7acda6-c68b-4479-9498-635c7c94123f_29"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">Grants of Plan-Based Awards</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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, and charged to Allianz Life of New York based on the Allocation Percentage assigned to each NEO.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
              <div style="line-height:0.0pt;text-align:left;"> </div>
              <div style="margin-top:0.0pt;">
                <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="za236dae1364f4e509bc7e661caf3b57d">

                    <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;">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;">3/3/2023</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:15.93pt;margin-right:15.93pt;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:15.93pt;margin-right:15.93pt;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:15.93pt;margin-right:15.93pt;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:15.93pt;margin-right:15.93pt;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:15.93pt;margin-right:15.93pt;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:15.93pt;margin-right:15.93pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$56,250</font></div>
                        </div>
                      </td>
                      <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width: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;">$253,125</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:15.93pt;margin-right:15.93pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$37,500</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:55.57pt;">
                        <div style="line-height:11.0pt;text-align:left;">
                          <div style="margin-left:15.93pt;margin-right:15.93pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$56,250</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:15.93pt;margin-right:15.93pt;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;">3/3/2023</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:15.93pt;margin-right:15.93pt;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:15.93pt;margin-right:15.93pt;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:15.93pt;margin-right:15.93pt;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:15.93pt;margin-right:15.93pt;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:15.93pt;margin-right:15.93pt;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:15.93pt;margin-right:15.93pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$27,289</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;">$122,802</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:15.93pt;margin-right:15.93pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$18,193</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:15.93pt;margin-right:15.93pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$27,289</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:15.93pt;margin-right:15.93pt;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;text-align:left;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;text-align:left;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;text-align:left;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;text-align:left;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;text-align:left;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;text-align:left;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 style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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, based on the Allocation Percentage assigned to each NEO.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
              <div style="line-height:0.0pt;text-align:left;"> </div>
              <div style="margin-top:0.0pt;">
                <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="zbd38b6af3abc42bc882880c3b497ca2f">

                    <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;">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:85.395pt;margin-right:85.395pt;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:85.395pt;margin-right:85.395pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:3.65pt;">73.350</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;">$15,737</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:85.395pt;margin-right:85.395pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:3.65pt;">94.300</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;">$20,231</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:85.395pt;margin-right:85.395pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">120.350</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;">$25,820</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:85.395pt;margin-right:85.395pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">309.750</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;">$66,454</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:85.395pt;margin-right:85.395pt;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:85.395pt;margin-right:85.395pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:3.65pt;">76.900</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;">$16,498</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:85.395pt;margin-right:85.395pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:3.65pt;">97.400</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;">$20,896</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:85.395pt;margin-right:85.395pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:3.65pt;">73.150</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;">$15,694</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:85.395pt;margin-right:85.395pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">223.550</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;">$47,960</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;text-align:left;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;text-align:left;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;text-align:left;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;text-align:left;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 2023, the RSUs listed on the second line will exercise in 2024, the RSUs listed on the third line will exercise in 2025, and the RSUs listed on the fourth line will exercise in 2026.</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;text-align:left;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;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">Based on an assumed stock price of $214.54 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, 2022 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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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_de7acda6-c68b-4479-9498-635c7c94123f_30"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following table summarizes the value received from Allianz SE stock grants vested during the year
                  ended December 31, 2022, and charged to Allianz Life of New York based on the Allocation Percentage assigned to each NEO.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
              <div style="line-height:0.0pt;text-align:left;"> </div>
              <div style="margin-top:0.0pt;">
                <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="zacb5a6bb5a8e4cb2aef5da520fbd6664">

                    <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;">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:91.78pt;margin-right:91.78pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:8.77pt;">-</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;margin-left:21.54pt;">-</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;">William E. Gaumond</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:91.78pt;margin-right:91.78pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">102</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;">$22,905</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;text-align:left;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;text-align:left;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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">Executive Severance Plan</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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 style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following table shows the portion of the lump sum payments that would have been allocated to Allianz
                  Life of New York based on each NEO&#8217;s Allocation Percentage and payable to each of our NEOs had they been terminated on December 31, 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;text-align:left;"> </div>
              <div style="margin-top:0.0pt;">
                <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="ze2eb1adea6d64c208d470f56873e486a">

                    <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;">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;">$56,250</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;">William E. Gaumond</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;">$38,625</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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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_de7acda6-c68b-4479-9498-635c7c94123f_31"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-decoration:underline;">Director Compensation</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following table provides information on compensation paid to the directors of Allianz Life of New
                  York 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;text-align:left;"> </div>
              <div style="margin-top:0.0pt;">
                <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="zfe0541e10c184878aa4f4eecc59828a8">

                    <tr style="height:42.5pt;">
                      <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;">
                        <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: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;">Fees Earned or</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;">Paid in 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;">($)</font><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">(1)</font>
                            <div style="clear:right;"> </div>
                          </div>
                          <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(b)</font></div>
                        </div>
                      </td>
                      <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:193pt;">
                        <div style="line-height:11.0pt;text-align:left;">
                          <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Total</font></div>
                          <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">($)</font></div>
                          <div 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: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;">(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;font-weight:bold;margin-left:0.0pt;">Chair 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;font-weight:bold;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;">(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;font-weight:bold;margin-left:0.0pt;">Chief Financial Officer 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;font-weight:bold;margin-left:0.0pt;">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: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;">Eric J. Thomes</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;font-weight:bold;margin-left:0.0pt;">President</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;">Steven J. Thiel</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;font-weight:bold;margin-left:0.0pt;">Vice President, Appointed </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;font-weight:bold;margin-left:0.0pt;">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: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;">Jesse J. Kling</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;font-weight:bold;margin-left:0.0pt;">Vice President, Appointed </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;font-weight:bold;margin-left:0.0pt;">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: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;">Lorraine Lods</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;font-weight:bold;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;">Ronald M. Clark</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;font-weight:bold;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;">$30,000</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;">$30,000</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;">Martha Clark Goss</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;font-weight:bold;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;">$45,000</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;">$45,000</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;">Gary A. Smith</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;font-weight:bold;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:85.395pt;margin-right:85.395pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">$30,000</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;">$30,000</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;">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;font-weight:bold;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;">$30,000</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;">$30,000</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;text-align:left;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;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">Represents cash compensation provided to our non-employee directors that is
                      formalized in the Non-Employee Director Compensation Plan for the year ended December 31, 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;text-align:left;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;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">As inside directors, Mss. Jirele and Lods, and Messrs.Gaumond, Thomes, and
                      Kling (and Mr. Thiel prior to Mr. Kling&#8217;s election to the Board as of May 16, 2022) do not receive any compensation for their service as directors. Mr. Kling replaced Mr. Thiel on May 16, 2022. The compensation Ms. Jirele and Mr.
                      Gaumond received as executive officers of Allianz Life of New York is disclosed in the Summary Compensation Table as set forth herein.</font></div>
                </div>
                <div style="clear:both;position:relative;"> </div>
              </div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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 June 30, 2022, the directors and executive officers of Allianz Life of New York held less than 1% of Allianz SE&#8217;s ordinary shares issued and outstanding.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We are a wholly owned subsidiary of Allianz Life, which is a wholly owned subsidiary of AZOA, which in
                  turn is a wholly owned subsidiary of Allianz Europe B.V. Allianz Europe B.V. is a wholly owned subsidiary of Allianz SE, our ultimate parent, which is registered in Munich, Germany.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Transactions with affiliates may not be on an arm&#8217;s-length basis and may present the potential for
                  conflicts.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;font-size:10pt;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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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_de7acda6-c68b-4479-9498-635c7c94123f_32"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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>
              <div>
                <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">Difficult Economic Conditions.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 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;font-size:10pt;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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">Unfavorable Interest Rate Environments.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 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. A sustained low interest rate environment presents challenges for us and other life insurance companies, as it generally reduces investment returns, raises the value of future
                      obligations, and challenges 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. In an attempt to curb rising inflation, the Federal Reserve and other central banks raised interest rates multiple times in 2022. It is unclear whether and
                      how interest rates will change in future periods. 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;font-size:10pt;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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">Losses on Fixed Maturity Investments.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 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;font-size:10pt;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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">Losses on Equity Investments.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 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>
                </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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">Losses on Real Estate Investments.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 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>
                </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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">Losses upon the Sale of Illiquid Investments.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 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>
                </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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">Prolonged and Elevated Inflationary Periods.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> During inflationary periods, the value of our fixed maturity investments may fall, see &#8220;Losses on Fixed Maturity Investments&#8221; 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. During 2022, the economy experienced elevated inflation and inflationary pressures, which may
                      continue for future periods.</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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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_de7acda6-c68b-4479-9498-635c7c94123f_33"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">Loss of Market Share to Competitors.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> There is strong competition among insurers, banks, brokerage firms and other financial institutions and providers seeking clients for the types of products and
                      services that we provide. A loss of market share to our competitors could result in financial losses to our business. Our ability to successfully compete is dependent on numerous factors, some of which include the successful
                      implementation of our business strategy, our financial strength, the attractiveness of our products and services, our relationships with distributors, and our reputation. Our ability to compete may also be hindered if our competitors
                      obtain or seek to enforce intellectual property rights against us, or if we are otherwise precluded from offering products or services that are in demand. Our ability to compete may also be hindered if we are not able to protect or
                      enforce our own intellectual property rights. Recently, the New York Department of Financial Services (&#8220;NYDFS&#8221;), the regulatory authority for the insurance industry in New York, adopted amendments to its Regulation 47 that set forth
                      new requirements for registered index-linked annuities offered and sold in New York. These amendments are expected to significantly increase our competition in New York for sales of registered index-linked annuities. In addition, the
                      amendments prescribe certain terms and conditions for registered index-linked annuities offered and sold in New York. Changes to our annuity sales platform to comply with the amendments could substantially increase our costs.</font></div>
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                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">Defaults by Counterparties.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Third-parties that owe us, or hold on our behalf (i.e., custodians), 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, or for us, cannot be
                      fully recovered 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;font-size:10pt;line-height:12pt;"> </font></div>
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                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">Impairments of Other Financial Institutions.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 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;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">Payments through Guaranty Associations.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">Ineffectiveness of Risk Management Policies.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 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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                <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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
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                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">Impacts of Climate Change.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> 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), changes in global investment
                      asset values, systemic risk to financial systems, 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 announced its
                      expectations for insurance companies in managing the financial risks related to climate change. In addition, the SEC has proposed new disclosure rules that, if adopted, would generally require a wide range of registered companies,
                      including us, to prepare extensive disclosures and financial information on climate-related risk, although final SEC rules have not yet been adopted. Compliance with new regulations and regulatory developments may increase our risk
                      and financial reporting costs.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
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                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">COVID-19 Pandemic.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> The economic conditions and uncertainties during the COVID-19 pandemic have at times negatively impacted our net income, surplus, and capital and liquidity positions.
                      The extent to which a pandemic (including the COVID-19 pandemic or a future public health crisis) will impact our business and operations in the future cannot be predicted. Any risk management or contingency plans or preventative
                      measures we take may not adequately predict or address the impact of a pandemic on our business. As such, a pandemic could have a material adverse effect on our financial condition and operations and may also have the effect of
                      heightening the other risks described in this section of the prospectus.</font></div>
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                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">Banking Sector Stress</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">. Recently, in March 2023, multiple banks (such as Silicon Valley Bank and Signature Bank) were placed into receivership or acquired by another bank pursuant to the
                      Federal Deposit Insurance Corporation&#8217;s regulatory authority. Additional banks appeared to be at risk of failing. These events have elevated concerns among market participants about the liquidity, default, and non-performance risk
                      associated with banks, other financial institutions, and the financial services industry generally, and have added to already adverse market and economic conditions. We continue to closely monitor these events. If more banks or
                      financial institutions enter receivership or become insolvent in the future, there could be a material adverse effect on our business and financial condition.</font></div>
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              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We are subject to detailed and comprehensive regulation and supervision in New York by the NYDFS. The
                  NYDFS has broad administrative powers with respect to all aspects of the insurance business and, in particular, monitors the manner in which an insurance company offers, sells and administers its products. Therefore, we may from time to
                  time be subject to a variety of legal and regulatory actions relating to our current and past business operations and practices. Our operations, products and services are subject to varying&#160;other state and federal laws. In addition, our
                  operations, products and services are regulated by various regulatory authorities and self-regulatory authorities including state insurance departments, state securities administrators, state banking authorities, the Securities and
                  Exchange Commission, the Financial Industry Regulatory Authority, the Internal Revenue Service, the Department of Labor, and the U.S. Commodity Futures Trading Commission.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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>
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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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
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              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Securities and Exchange Commission adopted 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. It remains unclear the extent to which 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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The NYDFS, has adopted revisions to its Insurance Regulation 187, a regulation that imposes suitability
                  requirements on annuity and life insurance recommendations by producers and insurers subject to New York law. Under the amendments to Regulation 187, recommendations of and related to annuity contracts will be subject to a best interest
                  standard and other additional obligations. These revisions became effective for annuity recommendations on August 1, 2019 and for life insurance recommendations on February 1, 2020. These changes could have an adverse impact on the level
                  and type of services provided and compliance with Regulation 187 could also increase our overall operational costs for providing some of the services currently provided. These changes may lead to greater exposure to legal claims in
                  certain circumstances, including an increased risk of NYDFS-related actions.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">We establish and carry reserves to pay future benefits and claims of contract owners. Our reserves 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
                  contract owner elections (i.e., the exercise or non-exercise of contract 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 contract owners 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 contract 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. However, we cannot be certain that our reserves will ultimately be sufficient to pay future benefits and
                  claims of contract owners.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Statutory accounting standards and capital and reserve requirements are prescribed by NYDFS and the
                  National Association of Insurance Commissioners. The NYDFS established regulations that govern reserving requirements and provide minimum capitalization requirements based on risk-based capital (&#8220;RBC&#8221;) ratios for life insurance companies.
                  In any particular year, statutory surplus amounts and RBC ratios may increase or decrease depending on a variety of factors, including but not limited to, the amount of statutory income or losses that we generate, changes in reserves, the
                  amount of additional capital that we must hold to support business growth, changes in equity market levels, the value of certain fixed-income and equity securities in our investment portfolio, changes in interest rates, and changes to
                  existing RBC formulas. Additionally, state insurance regulators have significant leeway in interpreting existing regulations, which could further impact the amount of statutory capital or reserves that we must maintain. There can be no
                  assurance that we will be able to maintain our current RBC ratio in the future or that our RBC ratio will not fall to a level that could have a material adverse effect on our business. If we are unable to maintain minimum capitalization
                  requirements, our business may be subject to significant increases in supervision and control by the NYDFS.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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 </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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York Variable Annuity Prospectus &#8211; May 1, 2023</font></div>
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              <div style="line-height:12.0pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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 contract owner 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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Our claims-paying and financial strength ratings, which various ratings organizations publish as measures
                  of an insurance company's ability to meet contract owner obligations, are important to maintaining public confidence in Allianz Life of New York and our products, and the ability to market our products and services. A downgrade or an
                  announced potential downgrade by credit rating agencies in our claims-paying and financial strength ratings may reflect an increased risk that 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;font-size:10pt;line-height:12pt;">
                </font></div>
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                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">reductions in new sales of insurance products, annuities and other
                      investment products;</font></div>
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                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">harm to our relationships with distributors and sales specialists;</font></div>
                </div>
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                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Similarly, credit rating agencies also evaluate the insurance industry as a whole and may change Allianz
                  Life of New York&#8217;s and other insurance companies&#8217; financial strength ratings based on the agencies&#8217; overall view of the industry. It is possible that Allianz Life of New York&#8217;s credit rating could be similarly downgraded in the future
                  based on credit rating agencies&#8217; evaluation of the life insurance industry as a whole due to changes in their view of Allianz Life of New York relative to the industry or a change in their rating assessment methodologies. In addition,
                  downgrades or announced potential downgrades in the financial strength ratings of the financial institutions with which we do business may adversely impact our business operations and may cause financial losses to our business.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The evolving landscape of environmental, social and governance standards could adversely
                  affect our reputation or business results and could lead to litigation or regulatory proceedings that harm our financial condition.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">Customers, regulators, and other market participants may evaluate our business or other practices
                  according to a variety of environmental, social and governance ("ESG") standards, expectations, or metrics, all of which may evolve, may be subjective or underdeveloped in nature, and may reflect contrasting or conflicting values.
                  Standard-setting organizations and regulators including, but not limited to, the SEC, and the NYDFS, have proposed or adopted, or may propose or adopt, ESG rules or standards applicable to us. As previously discussed, the SEC has proposed
                  new disclosure rules that, if adopted, would generally require a wide range of registered companies, including us, to prepare extensive disclosures and financial information on climate-related risk. Final SEC rules have not yet been
                  adopted. Due to the sometimes conflicting, </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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;91&#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="line-height:12.0pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">uncertain, and subjective ESG regulatory and market environment, we may be seen as acting inconsistently with ESG
                  standards or values from the perspective of certain customers, regulators, or other constituents. As a result, we may face adverse regulatory, customer, media, or public scrutiny related to ESG that potentially could have a negative
                  impact on our business or reputation or lead to legal challenges.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">Risks Primarily Related to Our Business Operations</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">training and educating our employees regarding our obligations relating to
                      confidential information;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">monitoring changes in state or federal privacy and compliance requirements;</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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">drafting appropriate contractual provisions into any contract that raises
                      proprietary and confidentiality issues;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
                </div>
                <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;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">maintaining secure storage facilities for tangible records;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;92&#8201;</font></div>
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                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">limiting access to electronic information; and</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
                </div>
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                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;font-size:10pt;line-height:12pt;"> </font></div>
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              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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 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:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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 </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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;93&#8201;</font></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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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 of risks.</font></div>
              <div style="line-height:13.0pt;margin-top:11pt;text-align:left;">
                <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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The statutory financial statements of Allianz Life Insurance Company of New York as of December 31, 2022
                  and 2021 and for each of the three years in the period ended December 31, 2022 included in Appendix D 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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The financial statements of the subaccounts of Allianz Life of NY Variable Account C of Allianz Life
                  Insurance Company of New York (&#8220;Variable Account C&#8221;) as of December 31, 2022 are incorporated herein by reference to Variable Account C&#8217;s </font><a href="https://www.sec.gov/Archives/edgar/data/845775/000084577523000018/nvpfsazsepacctcapril2023.htm"><font style="font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Form N-VPFS</font></a><font style="color:#000000;font-family:Times New Roman;font-size:10pt;"> (File No. 811-05716) filed with the SEC have been so incorporated in reliance on the report of PricewaterhouseCoopers LLP, an independent registered public accounting
                  firm, given on the authority of said firm as experts in auditing and accounting.</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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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;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>
      <div>
        <div><a name="xx_dcd10c10-995a-4068-8998-b5fbaa0336d9_1"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:648pt;">
              <div style="line-height:13.0pt;text-align:left;">
                <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;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;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-size:10pt;font-weight:bold;text-transform:uppercase;"> Index</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;font-size:10pt;"> Index is comprised of 500 stocks representing major U.S. industrial sectors.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;font-size:10pt;"> is a product of S&amp;P Dow Jones Indices LLC or its affiliates ("SPDJI"), and has been licensed for
                  use by Allianz Life Insurance Company of New York (&#8220;Allianz Life of NY&#8221;). Standard &amp; Poor's</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;font-size:10pt;"> and 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;font-size:10pt;"> are registered trademarks of Standard &amp; Poor's Financial Services LLC ("S&amp;P") and Dow Jones</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;font-size:10pt;"> is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones"). The trademarks have been
                  licensed to SPDJI and have been sublicensed for use for certain purposes by Allianz Life of NY. Allianz Life of NY products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&amp;P, any of their respective affiliates
                  (collectively, "S&amp;P Dow Jones Indices"). S&amp;P Dow Jones Indices does not make any representation or warranty, express or implied, to the owners of Allianz Life of NY products or any member of the public regarding the advisability
                  of investing in securities generally or in Allianz Life of NY products particularly or the ability of 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;font-size:10pt;"> to track general market performance. S&amp;P Dow Jones Indices&#8217; only relationship to Allianz Life of NY with respect to 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;font-size:10pt;"> is the licensing of the Index and certain trademarks,
                  service marks and/or trade names of S&amp;P Dow Jones Indices and/or its licensors. 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;font-size:10pt;"> is determined, composed and calculated by S&amp;P Dow Jones Indices without regard to Allianz Life of NY or its products. S&amp;P Dow Jones Indices have no obligation to
                  take the needs of Allianz Life of NY or the owners of Allianz Life of NY products into consideration in determining, composing or calculating 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;font-size:10pt;">. S&amp;P Dow Jones Indices is not responsible for and has not participated in the determination of the
                  prices, and amount of Allianz Life of NY products or the timing of the issuance or sale of Allianz Life of NY products or in the determination or calculation of the equation by which Allianz Life of NY products is to be converted into
                  cash, surrendered or redeemed, as the case may be. S&amp;P Dow Jones Indices have no obligation or liability in connection with the administration, marketing or trading of Allianz Life of NY products. There is no assurance that investment
                  products based on 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;font-size:10pt;"> will
                  accurately track index performance or provide positive investment returns. S&amp;P Dow Jones Indices LLC is not an investment advisor. Inclusion of a security within an index is not a recommendation by S&amp;P Dow Jones Indices to buy,
                  sell, or hold such security, nor is it considered to be investment advice.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">S&amp;P DOW JONES INDICES DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF
                  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;font-size:10pt;"> OR ANY DATA RELATED THERETO OR
                  ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&amp;P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS,
                  OMISSIONS, OR DELAYS THEREIN. S&amp;P DOW JONES INDICES MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY
                  ALLIANZ LIFE OF NY, OWNERS OF ALLIANZ LIFE OF NY PRODUCTS, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF 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;font-size:10pt;"> OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&amp;P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT,
                  SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT,
                  STRICT LIABILITY, OR OTHERWISE. THERE ARE NO THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&amp;P DOW JONES INDICES AND ALLIANZ LIFE OF NY, OTHER THAN THE LICENSORS OF S&amp;P DOW JONES INDICES.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;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-size:10pt;font-weight:bold;text-transform:uppercase;"> Index</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;font-size:10pt;"> Index is an equity index that measures the performance of the 2,000 smallest companies in the Russell
                  3000</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;font-size:10pt;"> Index, which is made up of 3,000 of the
                  biggest U.S. stocks. 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;font-size:10pt;"> 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.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;font-size:10pt;"> Index (the &#8220;Index&#8221;) is a trademark of Frank Russell Company (&#8220;Russell&#8221;) and has been licensed for use
                  by Allianz Life Insurance Company of New York (&#8220;Allianz Life of NY&#8221;). Allianz Life of NY products are not in any way sponsored, endorsed, sold or promoted by Russell or the London Stock Exchange Group companies (&#8220;LSEG&#8221;) (together the
                  &#8220;Licensor Parties&#8221;) and none of the Licensor Parties make any claim, prediction, warranty or representation </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-size:10pt;font-weight:bold;line-height:11pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:11pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> New York Variable Annuity Prospectus &#8211; May 1, 2023</font> <br>
                <font style="color:#000000;font-family:Arial Narrow;font-size:10pt;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;95&#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_dcd10c10-995a-4068-8998-b5fbaa0336d9_2"></a>
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            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:648pt;">
              <div style="line-height:12.0pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">whatsoever, expressly or impliedly, either as to (i) the results to be obtained from the use of the Index (upon which the
                  Allianz Life of NY product is based), (ii) the figure at which the Index is said to stand at any particular time on any particular day or otherwise, or (iii) the suitability of the Index for the purpose to which it is being put in
                  connection with the Allianz Life of NY product. None of the Licensor Parties have provided or will provide any financial or investment advice or recommendation in relation to the Index to Allianz Life of NY or to its clients. The Index is
                  calculated by Russell or its agent. None of the Licensor Parties shall be (a) liable (whether in negligence or otherwise) to any person for any error in the Index or (b) under any obligation to advise any person of any error therein.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;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-size:10pt;font-weight:bold;text-transform:uppercase;"> Index</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The NASDAQ-100 Index</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;font-size:10pt;"> includes 100 of the largest domestic and international non-financial securities listed on The NASDAQ
                  Stock Market</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;font-size:10pt;"> based on market capitalization.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Product(s) is not sponsored, endorsed, sold or promoted by Nasdaq, Inc. or its affiliates (Nasdaq,
                  with its affiliates, are referred to as the &#8220;Corporations&#8221;). The Corporations have not passed on the legality or suitability of, or the accuracy or adequacy of descriptions and disclosures relating to, the Product(s). The Corporations
                  make no representation or warranty, express or implied to the owners of the Product(s) or any member of the public regarding the advisability of investing in securities generally or in the Product(s) particularly, or the ability of the
                  Nasdaq-100 Index</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;font-size:10pt;"> to track general stock market
                  performance. The Corporations' only relationship to Allianz Life Insurance Company of New York (&#8220;Licensee&#8221;) is in the licensing of the NASDAQ</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;font-size:10pt;">, and Nasdaq-100 Index</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;font-size:10pt;"> registered trademarks, and certain trade names of the Corporations and the use of the Nasdaq-100 Index</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;font-size:10pt;"> 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</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;font-size:10pt;">. 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).</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">THE CORPORATIONS DO NOT GUARANTEE THE ACCURACY AND/OR UNINTERRUPTED CALCULATION OF THE NASDAQ-100 INDEX</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;font-size:10pt;"> 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</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;font-size:10pt;"> 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</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;font-size:10pt;"> 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.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">EURO STOXX 50</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></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;font-size:10pt;">, 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.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">STOXX Limited, Deutsche B&#246;rse Group and their licensors, research partners or data providers have no
                  relationship to Allianz Life Insurance Company of New York (&#8220;Allianz Life of NY&#8221;), other than the licensing of 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;font-size:10pt;line-height:12pt;"> </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">and the related trademarks for use in connection with Allianz Life of NY
                  products.</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">STOXX, Deutsche B&#246;rse Group and their licensors, research partners or data providers do </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">not</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">:</font></div>
              <div>
                <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                  <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">&#8226;&#8194;</font></div>
                  <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">sponsor, endorse, sell or promote Allianz Life of NY products.</font></div>
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        <div><a name="xx_0d8395aa-efa1-455f-99fa-6241c164bbdb_1"></a>
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            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:648pt;">
              <div style="line-height:13.0pt;text-align:left;">
                <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;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Generally</font></div>
              <div style="line-height:12.0pt;margin-top:2.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:9.43pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">(i)</font></div>
                  <div style="float:left;line-height:12pt;margin-left:10.57pt;text-align:left;width:459.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">any Index gains during the Term subject to the applicable Cap&#160;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;text-align:left;width:12.2pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">(ii)</font></div>
                  <div style="float:left;line-height:12pt;margin-left:7.8pt;text-align:left;width:459.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">any Index losses greater than the 10%, 20%, or 30% Buffer, 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;text-align:left;width:14.97pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">(iii)</font></div>
                  <div style="float:left;line-height:12pt;margin-left:5.03pt;text-align:left;width:459.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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, 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. The Daily Adjustment for 3-year and 6-year Term Index Options 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 3-year and 6-year&#160;Term Index
                  Options than 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;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Daily Adjustment Formula</font></div>
              <div style="line-height:12.0pt;margin-top:2.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The formula for the calculation of the Daily Adjustment is as follows:</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:11.09pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">(a)</font></div>
                  <div style="float:left;line-height:12pt;margin-left:2.91pt;text-align:left;width:461.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;width:11.66pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">(b)</font></div>
                  <div style="float:left;line-height:12pt;margin-left:2.34pt;text-align:left;width:461.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Calculating Change in Proxy Value</font></div>
              <div style="line-height:12.0pt;margin-top:2.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Proxy Value tracks three hypothetical derivative investments (call and put options) that we designed
                  to mimic the market value of your allocation to an Index Performance Strategy or an Index Protection NY Strategy Index Option. We calculate a Proxy Value for each of your selected Index Options.</font></div>
              <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:2.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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:6.5pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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%, 20% or 30% Buffer. It is important to note that the
                  out-of-the-money put will almost always reduce the Daily Adjustment, even when the current Index price on a Business Day is higher than the Index Value on the 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>
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              <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-size:10pt;font-weight:bold;line-height:11pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:11pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> New York Variable Annuity Prospectus &#8211; May 1, 2023</font> <br>
                <font style="color:#000000;font-family:Arial Narrow;font-size:10pt;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;98&#8201;</font></div>
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              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Calculating Proxy Interest</font></div>
              <div style="line-height:12.0pt;margin-top:2pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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 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;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Additional Information</font></div>
              <div style="line-height:12.0pt;margin-top:2pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">You can find a more detailed explanation of the calculation of the Proxy Value, including examples, in
                  Exhibit 99 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 by calling (800) 624-0197, or
                  visiting our website at </font><font style="color:#0000FF;font-family:Times New Roman;font-size:10pt;">allianzlife.com/new-york</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</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-size:10pt;font-weight:bold;line-height:11pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:11pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> New York Variable Annuity Prospectus &#8211; May 1, 2023</font> <br>
                <font style="color:#000000;font-family:Arial Narrow;font-size:10pt;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;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_4f500804-e73c-41d1-9014-b43360103a62_1"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:648pt;">
              <div style="line-height:13.0pt;text-align:left;">
                <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;
                  Variable Options Available Under the Contract</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following includes information about the Variable Options. More information about the Variable Options
                  is available in the Variable Options' prospectuses, which may be amended from time to time and can be found online at </font><font style="color:#0000FF;font-family:Times New Roman;font-size:10pt;">allianzlife.com/new-york/variableoptions</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">. 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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The current expenses and performance information below reflects fees and expenses of the Variable Options,
                  but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. The Variable Options' past performance is not necessarily an
                  indication of future performance.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
              <div style="line-height:0.0pt;text-align:left;"> </div>
              <div style="margin-top:0.0pt;">
                <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="zfe97c9f496af4ca580e462f4c5674cee">

                    <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:0.00pt;">Variable Option 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:75pt;">
                      <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: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-bottom:0.5pt solid #000000;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;font-style:italic;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-bottom:0.5pt solid #000000;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;">0.87%</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:50pt;">
                        <div style="line-height:11.0pt;text-align:left;">
                          <div style="margin-left:8.245pt;margin-right:8.245pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;margin-left:8pt;margin-right:-9pt;">0.78%</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: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;">0.68%</font></div>
                        </div>
                      </td>
                      <td style="border-bottom:0.5pt solid #000000;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;">0.35%</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:55pt;">
                      <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: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;">Long-term capital appreciation 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;">preservation of capital as an </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;">important consideration</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: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;">
                              MVP Balanced Index </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;">Strategy 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;">(2)</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;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>
                      </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: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;">0.71%</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:50pt;">
                        <div style="line-height:11.0pt;text-align:left;">
                          <div style="margin-left:8.245pt;margin-right:8.245pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;margin-right:-9pt;">-14.87%</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: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;">2.09%</font></div>
                        </div>
                      </td>
                      <td style="border-bottom:0.5pt solid #000000;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;">4.61%</font></div>
                        </div>
                      </td>
                    </tr>
                    <tr style="height:51pt;">
                      <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;">Long-term capital appreciation</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;">
                              MVP Growth Index </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;">Strategy 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;">(2)</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;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>
                      </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;">0.66%</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:8.245pt;margin-right:8.245pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;margin-right:-9pt;">-15.10%</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;">3.14%</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;">6.31%</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;text-align:left;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:6.68pt;text-align:left;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:5pt;position:relative;top:-3.25pt;">&#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:5pt;position:relative;top:-3.25pt;">&#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;position:relative;width:100%;">
                  <div style="float:left;line-height:10pt;text-align:left;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:6.68pt;text-align:left;width:473.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">This Variable Option is managed in a way that is intended to minimize
                      volatility of returns (referred to as a &#8220;managed volatility strategy&#8221;). For more information see Risk Factors &#8211; Managed Volatility Variable Option Risk, or refer to the Variable Option&#8217;s prospectus for more information.</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-size:10pt;font-weight:bold;line-height:11pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:11pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> New York Variable Annuity Prospectus &#8211; May 1, 2023</font> <br>
                <font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;">Appendix C</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;100&#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_f7379ebe-57eb-4e92-b7f3-1ccf78c6c7e1_1"></a>
          <div style="page-break-after:always;position:relative;">
            <div style="clear:both;"> </div>
            <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:648pt;">
              <div style="line-height:13.0pt;text-align:left;">
                <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;
                  Selected Financial Data and Statutory Financial Statements</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;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 2023
                  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;font-size:10pt;line-height:12pt;"> </font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Statutory Financial Statements</font></div>
              <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The statutory financial statements of Allianz Life Insurance Company of New York 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 D 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-size:10pt;font-weight:bold;line-height:11pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:11pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> New York Variable Annuity Prospectus &#8211; May 1, 2023</font> <br>
                <font style="color:#000000;font-family:Arial Narrow;font-size:10pt;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;101&#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="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: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;">
      <div style="min-height:45pt;width:100%">
        <div style="text-align:center"><br>
        </div>
        <div style="text-align:center">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%" id="zcf8308ccc25a42a1946b33cc4a36a988">

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

          </table>
        </div>
        <div><br>
        </div>
      </div>
      <div style="margin-top:6pt;text-align:justify"><br>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><br>
      </div>
      <div style="margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Item 11(f).</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Selected Financial Data</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">(dollars in thousands, unless otherwise stated)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table sets forth the Company&#8217;s selected historical
          financial data. The selected financial data has been derived from the Statutory Financial Statements included elsewhere in this prospectus, and should be read in conjunction with &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and
          Results of Operations&#8221; and the Company&#8217;s audited Statutory Financial Statements. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">These historical results are not necessarily indicative of results
          to be expected for any future period.</font></div>
      <div style="margin-bottom:6pt;margin-top:11pt">
        <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.553%" id="zc91273de3a20411b8e5e0ab5a3261286">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:31.784%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.547%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:11.605%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.547%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:11.456%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.547%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:11.605%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.547%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:11.605%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.547%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:11.610%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="27" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Year ended December&#160;31,</font></td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Selected income data</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2018</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Premium and annuity considerations*</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">658,839&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">689,602&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">431,944&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">376,919&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">306,832&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net investment income</font></td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">18,100&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,177&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">18,028&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19,866&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">23,273&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Ceded reinsurance
                  reserve and expense adjustments</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,146&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">578&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">291&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">181&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">201&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Fees from separate accounts</font></td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">58,894&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">66,792&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">66,045&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">68,960&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">72,602&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                  income</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">736,979&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">773,149&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">516,308&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">465,926&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">402,908&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Policyholder benefits and surrenders</font></td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">274,066&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">281,533&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">244,532&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">255,885&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">246,712&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Change in aggregate
                  reserves</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">76,056&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(17,165)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,842&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,503&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(35,379)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">General and administrative and commission</font></td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">82,936&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">78,354&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">56,875&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">52,630&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">43,506&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net transfers to
                  separate accounts</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">351,286&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">358,538&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">186,015&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">134,980&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">107,721&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total benefits and other expenses</font></td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">784,344&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">701,260&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">489,264&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">445,998&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">362,560&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Income tax expense
                  (benefit)</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,586&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,319&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,280&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(7,343)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(292)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net realized capital gain (loss)</font></td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">22,638&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(59,957)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(41,220)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(70,095)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,217&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net (loss)
                  income</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(28,313)</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,613&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(15,456)</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(42,824)</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">47,857&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Capital and Surplus:</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Change in unrealized
                  capital gain (loss)</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,843&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,534&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,845)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(8,937)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">18,410&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other change in capital &amp; surplus</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,024&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(106)</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,934&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt 0 19pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(649)</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt 0 19pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(15,579)</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Capital contribution
                  from parent</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">30,000&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt 2px 22pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net change in capital &amp; surplus</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,554&#160;</font></td>
              <td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,041&#160;</font></td>
              <td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(15,367)</font></td>
              <td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(52,410)</font></td>
              <td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">50,688&#160;</font></td>
              <td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="33" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">*Includes premiums and annuity and
                  supplementary contract considerations.</font></td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt">
        <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%" id="zc3b13e5ff05845fbbafac87b898b1e1b">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:35.467%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:10.840%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:10.840%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:10.840%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:10.840%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:10.843%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="27" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">As of December 31,</font></td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Selected balance sheet data</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2018</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total cash and invested assets</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">671,072&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">610,691&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">590,406&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">596,501&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">652,934&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Investment income due
                  and accrued</font></td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,719&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,480&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,744&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,921&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,270&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other admitted assets</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,914&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">9,085&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,604&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">12,922&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,246&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Separate account
                  assets</font></td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,347,526&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,447,304&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,773,866&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,232,062&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,677,964&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                  admitted assets</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,032,231&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,071,560&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,377,620&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,846,406&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,340,414&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total policyholder
                  liabilities</font></td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">550,065&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">473,598&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">490,011&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">487,107&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">484,136&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other liabilities</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(36,924)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(12,352)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(42,226)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(44,099)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(45,390)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Separate account
                  liabilities</font></td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,347,526&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,447,304&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,773,866&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,232,062&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,677,964&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                  liabilities</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,860,667&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,908,550&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,221,651&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,675,070&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,116,710&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                  capital and surplus</font></td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">171,564&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">163,010&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">155,969&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">171,336&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">223,746&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:1pt"><br>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
      <div style="height:63pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Selected Financial Data and Management's Discussion and Analysis</font></div>
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 1 of 13</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:45pt;width:100%">
        <div><br>
        </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Item&#160;11(h).</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Management&#8217;s Discussion and Analysis of Financial Condition and
          Results of Operations</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following discussion and analysis provides an assessment by
          management of the Company&#8217;s financial condition as of December 31, 2022, compared with December&#160;31, 2021, and its results of operations for each of the three years ended December&#160;31, 2022, 2021, 2020, respectively. The information contained
          herein should be read in conjunction with the financial statements, notes, exhibits and schedules in the 2022 and 2021 Annual Statement and audited Statutory Financial Statements of the Company. Amounts are presented on a non-consolidated basis
          in accordance with Statutory Accounting Principles (SAP). </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Forward-looking Statements</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">This report reviews the Company&#8217;s financial condition and results of
          operations. Where appropriate, factors that may affect future financial performance are also identified and discussed. Certain statements made in this report include &#8220;forward-looking statements&#8221; within the meaning of the Private Securities
          Litigation Reform Act of 1995. Forward- looking statements include any statement that may predict, forecast, indicate or imply future results, performance or achievements instead of historical facts, and may contain words like &#8220;believe&#8221;,
          &#8220;expect&#8221;, &#8220;estimate&#8221;, &#8220;project&#8221;, &#8220;budget&#8221;, &#8220;forecast&#8221;, &#8220;anticipate&#8221;, &#8220;plan&#8221;, &#8220;will&#8221;, &#8220;shall&#8221;, &#8220;may&#8221;, and other words, phrases or expressions with similar meaning. Forward-looking statements are subject to risks and uncertainties. Readers are
          cautioned not to place undue reliance on forward-looking statements as a prediction of actual results. The Company undertakes no obligation to update publicly or revise any forward-looking statements.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Company Overview</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company is a life insurance company domiciled in New York and is
          licensed to sell insurance products in six U.S. states and the District of Columbia. The Company primarily offers individual variable-indexed annuities which are sold through licensed registered representatives contracted with a broker/dealer.
          The Company also maintains a closed portfolio of individual traditional variable annuities, fixed annuities, individual and group life policies, and individual and group accident and health policies, but does not actively issue new policies
          related to these products. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Allianz Life of New York is a wholly owned subsidiary of Allianz
          Life Insurance Company of North America (Allianz Life). Allianz Life is a wholly owned subsidiary of Allianz of America, Inc. (AZOA), which is a subsidiary of Allianz Europe, B.V.. Allianz Europe, B.V. is a wholly owned subsidiary of Allianz SE,
          the Company&#8217;s ultimate parent, which is incorporated in Munich, Germany.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has organized its principal operations into the
          following segments: Individual Annuities and Other.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Individual Annuities</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Individual Annuities segment provides tax-deferred investment
          growth and lifetime income opportunities for our customers through fixed, fixed-indexed and variable-indexed. The &#8220;fixed&#8221; and &#8220;variable&#8221; classifications describe whether we or the contractholders bear the investment risk of the assets supporting
          the contract. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Variable annuities allow the contractholder to make deposits into
          various investment options and also have unique product features that allow for guaranteed minimum income benefits, guaranteed minimum accumulation benefits, guaranteed minimum death benefits, and guaranteed minimum withdrawal benefits. The
          variable annuity products with guaranteed minimum benefits which provide a minimum return based on their initial deposit may be increased by additional deposits, bonus amounts, or other account crediting features. The income and accumulation
          benefits shift a portion of the investment risk from the contractholder back to the Company. The Company's variable annuity sales strategy has shifted to variable-indexed annuity products, which combines a separate account option with a general
          account option that is similar to a fixed-indexed annuity. Sales of our variable-indexed annuity have increased in recent years due to an industry shift from traditional variable products as well as the Allianz Index Advantage&#174;&#160;New York Variable
          Annuity product being very competitive. Our Individual Annuity products are sold through independent distribution channels made up of registered representatives. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We discontinued selling traditional variable annuities and fixed
          annuities and the business is in run-off, however, in-force contracts are material and thus reported within the Individual Annuities segment.</font></div>
      <div style="height:63pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Selected Financial Data and Management's Discussion and Analysis</font></div>
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 2 of 13</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:45pt;width:100%">
        <div><br>
        </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Other</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Other segment consists of individual term life, which is not
          material enough to break out in a separate segment, as well as closed blocks of life, long-term care (LTC), and Special Markets products. The Special Markets products include individual and group annuity and life products, including whole and
          term life insurance. Although Other products are part of the combined results, the Company does not allocate additional resources to these areas other than to maintain the operational support to its current customers.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Income and expense allocation</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We maintain segregated investment portfolios for the Company but do
          not maintain segregated portfolios for each segment. All net investment income and other Corporate income and expense activity is allocated to the segments. Assets are only monitored at the total Company level, and as such, asset disclosures by
          segment are not included herein.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Income and expense related to assets backing policyholder reserves
          are allocated to the segments based on policyholder statutory reserve levels. The results of our segments also reflect allocation of income and expense related to assets backing surplus. Income and expense related to assets backing surplus are
          allocated to the segments based on estimated required capital levels for each segment.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Basis of Presentation</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Statutory Financial Statements have been prepared in accordance
          with accounting practices prescribed or permitted by the New York State Department of Financial Services (the&#160;Department). The Department recognizes statutory accounting practices prescribed or permitted by the state of New York for determining
          and reporting the financial condition and results of operations of an insurance company and its solvency under New York insurance law. The state of New York has adopted the National Association of Insurance Commissioners (NAIC) </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Accounting Practices and Procedures Manual</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> as its prescribed basis of statutory accounting principles (SAP). The state of New York has also adopted certain prescribed accounting practices that differ from those found in
          NAIC SAP. The Company has no material statutory accounting practices that differ from those of the Department or NAIC SAP. These practices differ in some respects from accounting principles generally accepted in the United States of America (U.S.
          GAAP). The effects of these differences, while not quantified, are presumed to be material to the Statutory Financial Statements. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The preparation of Statutory Financial Statements in conformity with
          NAIC SAP requires management to make certain estimates and assumptions that affect reported amounts of admitted assets and liabilities, including reporting or disclosure of contingent assets and liabilities as of December&#160;31, 2022, and 2021 and
          the reported amounts of revenues and expenses during the reporting period. Future events, including changes in mortality, morbidity, interest rates, capital markets, and asset valuations could cause actual results to differ from the estimates
          used within the Statutory Financial Statements. Such changes in estimates are recorded in the period they are determined.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Adoption of New Financial Accounting Standards </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See Note 3 &#8211; &#8220;Accounting Changes and Correction of Errors&#8221; of the
          Company&#8217;s audited Statutory Financial Statements in this prospectus for information related to recent accounting pronouncements. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Application of Critical Accounting Policies</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our accounting policies require management to make interpretative
          and valuation judgments and to make estimates based upon assumptions that affect the amounts of assets, liabilities, revenues, and expenses reported in our Statutory Financial Statements. Because the use of assumptions and estimates inherently
          entails uncertainty, the effects of accounting policies under different conditions could produce results that are significantly different. A discussion of the presentation of the business factors that affect critical accounting policies can be
          found in Note 2 of the accompanying Statutory Financial Statements and are summarized below. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Accounting for Investments </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Investment valuation and presentation are determined to be in
          accordance with methods prescribed by the NAIC. See Note 5 and 6 of the audited Statutory Financial Statements for additional information regarding the portfolio and fair value of investments.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Aggregate Reserves for Life Policies and Annuity
          Contracts</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See Notes 10 through 12 of the audited Statutory Financial
          Statements for additional information regarding our annuity and life actuarial reserves, deposit liabilities, and separate accounts.</font></div>
      <div style="height:63pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Selected Financial Data and Management's Discussion and Analysis</font></div>
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 3 of 13</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:45pt;width:100%">
        <div><br>
        </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Derivatives</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See Notes 2 and 5 of the audited Statutory Financial Statements for
          additional information regarding our derivatives and hedging instruments.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Reinsurance</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See Note 9 of the audited Statutory Financial Statements for
          additional information regarding reinsurance agreements we have entered into to manage insurance risk as well as businesses we have exited.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Income Taxes</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See Note 7 of the audited Statutory Financial Statements for
          additional information regarding income tax estimates and assumptions.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><br>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Individual Annuities and Other</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Based upon the significance of the Individual Annuities segment and
          its overall impact on the total results of operations, we only provided variance commentary at the total company level for the year ended December&#160;31, 2022 compared to 2021 and year ended December&#160;31, 2021, compared to 2020.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Total Results of Operations</font></div>
      <div style="margin-bottom:6pt;margin-top:11pt">
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              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.423%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.423%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.423%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.429%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Year ended December&#160;31,</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="9" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                  (decrease) and % change</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="9" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                  (decrease) and % change</font></td>
            </tr>
            <tr>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022 - 2021</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021 - 2020</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Income:</font></td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Premium and annuity considerations*</font></td>
              <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">658,839&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">689,602&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">431,944&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(30,763)</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4.5)</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">257,658&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">59.7&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net investment
                  income</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,100&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,177&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,028&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,923&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11.9&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,851)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(10.3)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ceded reinsurance reserve and expense
                  adjustments</font></td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,146&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">578&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">291&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">568&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">98.3&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">287&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">98.6&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Fees from
                  separate accounts</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">58,894&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">66,792&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">66,045&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(7,898)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(11.8)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">747&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.1&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total income</font></td>
              <td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">736,979&#160;</font></td>
              <td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">773,149&#160;</font></td>
              <td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">516,308&#160;</font></td>
              <td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(36,170)</font></td>
              <td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4.7)</font></td>
              <td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">256,841&#160;</font></td>
              <td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">49.7&#160;</font></td>
              <td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Benefits and other expenses:</font></div>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Policyholder benefits and surrenders</font></td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">274,066&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">281,533&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">244,532&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(7,467)</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2.7)</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">37,001&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15.1&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in
                  aggregate reserves</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">76,056&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(17,165)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,842&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">93,221&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">543.1&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(19,007)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,031.9)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">General and administrative and
                  commission</font></td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">82,936&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">78,354&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">56,875&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,582&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.8&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,479&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">37.8&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net transfers
                  to separate accounts</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">351,286&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">358,538&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">186,015&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(7,252)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2.0)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">172,523&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">92.7&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total benefits and other expenses</font></td>
              <td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">784,344&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">701,260&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">489,264&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">83,084&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11.8&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">211,996&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">43.3&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Pretax
                  (loss) income</font></td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(47,365)</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">71,889&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">27,044&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(119,254)</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(165.9)</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">44,845&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">165.8&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Income tax expense (benefit)</font></td>
              <td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,586&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,319&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,280&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,733)</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(43.3)</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,039&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">393.7&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net realized
                  capital gain (loss)</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,638&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(59,957)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(41,220)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">82,595&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">137.8&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(18,737)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(45.5)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt 2px 28pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net (loss) income</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(28,313)</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,613&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(15,456)</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(33,926)</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(604.4)</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,069&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">136.3&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Capital and Surplus:</font></td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in unrealized capital gain
                  (loss)</font></td>
              <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,843&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,534&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,845)</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,309&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">215.7&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,379&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">183.1&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other change
                  in capital &amp; surplus</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,024&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(106)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,934&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,130&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,009.4&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,040)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(105.5)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Capital contribution from parent</font></td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">30,000&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">30,000&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 22pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net change in
                  capital &amp; surplus</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,554&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,041&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(15,367)</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,513&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21.5&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,408&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">145.8&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td colspan="42" style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">*Includes premiums and annuity and
                  supplementary contract considerations.</font></td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:1pt"><br>
      </div>
      <div style="height:63pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Selected Financial Data and Management's Discussion and Analysis</font></div>
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 4 of 13</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:45pt;width:100%">
        <div><br>
        </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Selected Operating Performance Measures</font></div>
      <div style="margin-bottom:6pt;margin-top:11pt">
        <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%" id="z1428611bb7b64029939e291483913403">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:24.644%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.870%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.870%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.870%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.870%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.870%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.870%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.872%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Year ended December&#160;31,</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="9" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                  (decrease) and % change</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="9" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                  (decrease) and % change</font></td>
            </tr>
            <tr>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022 - 2021</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021 - 2020</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deposits and gross
                  premiums written:</font></td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Individual Annuities</font></td>
              <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">653,562&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">685,610&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">425,561&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(32,048)</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4.7)</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">260,049&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">61.1&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,492&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,416&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,108&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,076&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24.4&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">308&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7.5&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt 2px 30.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">659,054&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">690,026&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">429,669&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(30,972)</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4.5)</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">260,357&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">60.6&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">In-force:</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Individual
                  Annuities</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,654,719&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,797,886&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,990,425&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(143,167)</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3.0)</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">807,461&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20.2&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,837,298&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">750,332&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">328,472&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,086,966&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">144.9&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">421,860&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">128.4&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 30.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,492,017&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,548,218&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,318,897&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">943,799&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17.0&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,229,321&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28.5&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Deposits and in-force amounts in the table above are for direct
          business. Deposits reflect amounts collected on both new and renewal business. Individual Annuities in-force represents account values for our annuity contracts. Other products in-force represent gross life insurance within the life and Special
          Markets products. The deposits decreased within Individual Annuities in 2022 as a result of lower variable-indexed annuity sales due to equity market volatility. The decrease of in-force in the Individual Annuities segment in 2022 is primarily
          driven by equity market decreases resulting in lower contractholder account values. Deposits and in-force within Other products increased in 2022 due to term life policy sales.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Change in Key Market Factors</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our Individual Annuities segment is impacted by various market
          impacts and movements which are summarized below:</font></div>
      <div style="margin-bottom:6pt;margin-top:11pt">
        <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%" id="z41107c59479240f5b9486a58cf398ce4">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:26.810%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.631%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.631%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.784%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Year ended December&#160;31,</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% change</font></td>
            </tr>
            <tr>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022 - 2021</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021 - 2020</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Stock Index</font></td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">S&amp;P 500</font></td>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(19.44)%</font></td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">26.89%</font></td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16.26%</font></td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(46.33)%</font></td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10.63%</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">NASDAQ 100</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(32.97)%</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">26.63%</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">47.58%</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(59.60)%</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(20.95)%</font></td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt">
        <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%" id="z5eb7c0ded50d4d26ae4112eb96637bb6">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:26.810%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.631%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.631%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.784%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Year ended December&#160;31,</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Basis&#160;point&#160;(bps)&#160;change</font></td>
            </tr>
            <tr>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022 - 2021</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021 - 2020</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Interest Rates</font></td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Swap rate - 10
                  year</font></td>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3.84%</font></td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.58%</font></td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.93%</font></td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">226 bps</font></td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">65 bps</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Swap rate - 20
                  year</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3.74%</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.76%</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.32%</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">198 bps</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">44 bps</font></td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Year Ended December&#160;31, 2022</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Compared
          to</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Year Ended December&#160;31, 2021 </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Overview</font></div>
      <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">The change in capital and surplus was favorable in 2022 primarily due to a capital contribution from Allianz Life and net
          realized capital gains on derivatives due to negative equity markets, partially offset by increased aggregate reserves driven by additional asset adequacy reserves.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Income</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Premium and annuity considerations</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">:</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Premium and annuity
          considerations decreased primarily due to equity market volatility which reduced variable-indexed annuity premium in 2022.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Net investment income:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net investment income
          increased primarily due to a increase in average invested assets and higher asset yields.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Ceded reinsurance reserve and expense adjustments: </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Ceded reinsurance reserve and expense adjustments increased primarily due to the ceded expense allowance on term life product sales.</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Fees from separate accounts</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: Fees from separate accounts decreased, primarily due to lower M&amp;E and benefit rider income from the effects of negative equity markets in 2022, which resulted in lower
          average traditional variable annuity separate account assets in 2022.</font></div>
      <div style="height:63pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Selected Financial Data and Management's Discussion and Analysis</font></div>
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 5 of 13</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:45pt;width:100%">
        <div><br>
        </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Benefits and Other Expenses</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Policyholder benefits and surrenders</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Policyholder benefits and
          surrenders decreased primarily due to a decrease in variable annuity surrenders.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Change in aggregate reserves:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Change in aggregate reserves
          was driven by additional asset adequacy reserves on both the variable annuity and fixed annuity lines of business and VM 21 reserve increases due to equity market impacts and interest rate movements impacting the variable annuity line of
          business. This was partially offset by fixed annuity reserve decreases due to the continued run-off of the closed block of business.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">General and administrative and commission:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> General and administrative and commission increased primarily due to an increase in sundry general expenses.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Net transfers to separate accounts:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Net transfers to separate accounts decrease is driven by new premium and policyholder withdrawals, and decreased due to lower variable-indexed premium.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Income tax expense (benefit)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Income tax expense
          decreased driven by pre-tax income and hedging impacts. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Net realized capital gain (loss): </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net realized capital gains are driven by derivatives that hedge guarantees in our Individual Annuities segment
          due to a decrease in equity markets.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Capital and Surplus</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Change in unrealized capital gain (loss): </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Unrealized capital gains are primarily due to derivatives that hedge guarantees in our Individual Annuities
          segment due to a decrease in equity markets.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Other change in capital and surplus: </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Other change in capital and surplus decrease was driven by an increase in net deferred income tax primarily
          due to changes in Statutory vs tax reserves.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Year Ended December&#160;31, 2021 Compared to Year Ended December&#160;31,
          2020 </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Overview</font></div>
      <div style="margin-top:6pt;padding-left:2.25pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">The change in capital and surplus was favorable in 2021 due to
          increased variable-indexed annuity premiums and decreases in aggregate reserves primarily in the Individual Annuities segment due to increases in equity markets and interest rates. This was partially offset by an increase in net transfers to the
          separate accounts and commissions which are both reflective of the increase in premiums, unfavorable hedging impacts, an increase in variable annuity policyholder benefits and surre</font><font style="color:#333333;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">nders, and an increase in income tax expenses year-over-year</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Income</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Premium and annuity considerations</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Premium and annuity
          considerations increased primarily due to the continued growth of the variable-indexed annuity product which was impacted by competitive product features in the Individual Annuities segment. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Net investment income:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net investment income
          decreased primarily due to a decrease in average invested assets backing general account policyholder liabilities as a result of the continued run-off of the Company's fixed annuity block of business. Assets supporting the general account
          products decreased despite increased premiums because the significant products are in the separate account.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Ceded reinsurance reserve and expense adjustments: </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Ceded reinsurance reserve and expense adjustments increased primarily due to the ceded expense allowance on the term life product.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Fees from separate accounts</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Fees from separate accounts
          increased slightly, primarily due to higher M&amp;E from the effects of positive equity markets in 2021, which resulted in higher average traditional variable annuity separate account assets in 2021, despite surrenders increasing as well. The
          increase was partially offset by lower benefit rider income.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Benefits and Other Expenses</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Policyholder benefits and surrenders</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Policyholder benefits and
          surrenders increased primarily due to an increase in variable surrenders, partially offset by fixed death claims and surrenders driven by policyholder activity.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Change in aggregate reserves:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Change in aggregate reserves
          was driven by VM 21 reserve decreases due to equity market impacts and interest rate movements impacting the variable annuity line of business and fixed annuity reserve decreases due to the continued run-off of the closed block of business. This
          is partially offset by additional asset adequacy reserves the variable line of business.</font></div>
      <div style="height:63pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Selected Financial Data and Management's Discussion and Analysis</font></div>
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 6 of 13</font></div>
        </div>
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        <div><br>
        </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">General and administrative and commission:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">General and
          administrative and commission increased primarily due to higher variable indexed-annuity commissions as a result of an increase in production. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Net transfers to separate accounts: </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net transfers to separate accounts increase is driven by new premium and policyholder withdrawals, and increased due to higher separate account premium. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Income tax expense (benefit)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Income tax expense
          increased driven by pre-tax income and hedging impacts.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Net realized capital (loss) gain: </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net realized capital losses are driven by derivatives hedging guarantees in our Individual Annuities segment.
        </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Capital and Surplus</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Change in unrealized capital gain (loss):</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Unrealized capital gains are
          primarily due to derivatives hedging guarantees in our Individual Annuities segment due to positive equity markets.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Other change in capital and surplus:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Other change in capital and
          surplus decrease was driven by an increase in the asset valuation reserve. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:144%">The following tables provide the results of operations for the
          Individual Annuities and Other segments:</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:144%">Individual Annuities</font></div>
      <div style="margin-bottom:7pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Segment Results of Operations</font></div>
      <div style="margin-bottom:7pt;margin-top:11pt">
        <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%" id="z45f7b6e1271044f3ad60a05082528e1a">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:27.917%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.572%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.572%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.572%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.275%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.275%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.275%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.278%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Year ended December&#160;31,</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="9" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                  (decrease) and % change</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="9" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                  (decrease) and % change</font></td>
            </tr>
            <tr>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="9" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022 - 2021</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="9" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021 - 2020</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Income:</font></td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Premium and annuity considerations*</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">655,804&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">686,652&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">429,006&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(30,848)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4.5)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">257,646&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">60.1&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net investment
                  income</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13,899&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,181&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,100&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,718&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14.1&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,919)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(13.6)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Fees from
                  separate accounts</font></td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">58,894&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">66,792&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">66,045&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(7,898)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(11.8)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">747&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.1&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total
                  income</font></td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">728,597&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">765,625&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">509,151&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(37,028)</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4.8)</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">256,474&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">50.4&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Benefits and
                  other expenses:</font></td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Policyholder
                  benefits and surrenders</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">271,102&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">279,788&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">241,717&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(8,686)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3.1)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">38,071&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15.8&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in aggregate reserves</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">71,289&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(25,127)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(5,248)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">96,416&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">383.7&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(19,879)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(378.8)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">General and
                  administrative and commission</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">79,959&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">76,484&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">55,706&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,475&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.5&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,778&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">37.3&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net transfers to separate accounts</font></td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">351,286&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">358,538&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">186,015&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(7,252)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2.0)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">172,523&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">92.7&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total
                  benefits and other expenses</font></td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">773,636&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">689,683&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">478,190&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">83,953&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12.2&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">211,493&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">44.2&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Pretax income (loss)</font></td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(45,039)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">75,942&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">30,961&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(120,981)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(159.3)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">44,981&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">145.3&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Income tax
                  expense (benefit)</font></td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,409&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,675&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,465&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,266)</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(48.9)</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,210&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">355.6&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net realized capital gain (loss)</font></td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,688&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(59,965)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(41,117)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">82,653&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">137.8&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(18,848)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(45.8)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 28pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net income
                  (loss)</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(25,760)</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,302&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(11,621)</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(35,062)</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(376.9)</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,923&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">180.0&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Capital and Surplus:</font></td>
              <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in
                  unrealized capital gain (loss)</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,997&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,627&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,873)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,370&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">207.1&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,500&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">186.9&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other change in capital &amp; surplus</font></td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,756&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(88)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,697&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,844&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,095.5&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,785)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(105.2)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net change
                  in capital &amp; surplus</font></td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(19,007)</font></td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,841&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(11,797)</font></td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(29,848)</font></td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(275.3)</font></td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,638&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">191.9&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td colspan="42" style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">*Includes premiums and annuity and
                  supplementary contract considerations.</font></td>
            </tr>
            <tr style="height:15pt">
              <td colspan="42" style="padding:0 1pt"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="height:63pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Selected Financial Data and Management's Discussion and Analysis</font></div>
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 7 of 13</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:45pt;width:100%">
        <div><br>
        </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:144%">Other</font></div>
      <div style="margin-bottom:7pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Segment Results of Operations</font></div>
      <div style="margin-bottom:6pt;margin-top:11pt">
        <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%" id="z4c630334889f434bb17ddd53f3d2e0d6">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:28.959%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.572%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.572%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.572%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:7.828%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:7.977%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:7.977%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.279%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Year ended December&#160;31,</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="9" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                  (decrease) and % change</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="9" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                  (decrease) and % change</font></td>
            </tr>
            <tr>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022 - 2021</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021 - 2020</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Income:</font></td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Premium and annuity considerations</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,035&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,950&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,938&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">85&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.9&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.4&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net investment
                  income</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,201&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,996&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,927&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">205&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.1&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">69&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.8&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ceded reinsurance reserve and expense
                  adjustments</font></td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,146&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">578&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">291&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">568&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">98.3&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">287&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">98.6&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
            </tr>
            <tr>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total
                  income</font></td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,382&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,524&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,156&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">858&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11.4&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">368&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.1&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Benefits and other expenses:</font></td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Policyholder
                  benefits and surrenders</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,964&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,745&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,815&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,219&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">69.9&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,070)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(38.0)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in aggregate reserves</font></td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,767&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,962&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,090&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,195)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(40.1)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">872&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12.3&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">General and
                  administrative and commission</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,977&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,870&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,168&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,107&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">59.2&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">702&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">60.1&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
              <td colspan="3" style="display:none"></td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total benefits and other expenses</font></td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,708&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,577&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,073&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(869)</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(7.5)</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">504&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.6&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Pretax (loss) income</font></div>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,326)</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4,053)</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,917)</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,727&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">42.6&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(136)</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3.5)</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Income tax (benefit) expense</font></td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">176&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(356)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(185)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">532&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">149.4&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(171)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(92.4)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net realized
                  capital (loss) gain</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(50)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(103)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(58)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(725.0)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">111&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">107.8&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt 2px 28pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net income (loss)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,552)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,689)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,835)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,137&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">30.8&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">146&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.8&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Capital and Surplus:</font></td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in unrealized capital (loss)
                  gain</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(154)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(93)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(61)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(65.6)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(121)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(432.1)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other change
                  in capital &amp; surplus</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">268&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(18)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">237&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">286&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,588.9&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(255)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(107.6)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net change in capital &amp; surplus</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,438)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,800)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,570)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,362&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">35.8&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(230)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(6.4)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr style="height:15pt">
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
            </tr>

        </table>
      </div>
      <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Capital Contributions</font></div>
      <div style="margin-bottom:9pt">
        <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.732%" id="z0f8cf9a798184ffd942f12352a9416b2">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:32.730%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:14.820%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.463%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:14.820%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.960%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:14.820%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.463%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:14.824%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Year ended December 31,</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="9" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                  (decrease) and % change</font></td>
            </tr>
            <tr>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022</font></td>
              <td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022 - 2021</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Capital and Surplus:</font></td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt 2px 15.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Capital Contribution from parent</font></td>
              <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">30,000&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">30,000&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            </tr>

        </table>
      </div>
      <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A capital contribution was received from Allianz Life in March 2022. See Note 13 of the Company&#8217;s audited Statutory Financial
          Statements for further reference. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Financial Condition</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Investment Strategy </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our investment strategy focuses on
          diversification by asset class. We seek to achieve economic diversification, while limiting overall credit and liquidity risks. We attempt to mitigate these credit and liquidity risks by adhering to investment policies that provide portfolio
          diversification on an asset class, creditor, and industry basis, and by complying with investment limitations governed by state insurance laws and regulations, as applicable. We also consider all relevant objective information available in
          estimating the cash flows related to structured securities. We actively monitor and manage exposures, and determine whether any securities are impaired. The aggregate credit risk taken in the investment portfolio is influenced by our risk/return
          preferences, the economic and credit environment, and the ability to manage this risk through liability portfolio management. We also have an asset-liability management strategy to align cash flows and duration of the investment portfolio with
          contractholder liability cash flows and duration.</font></div>
      <div style="height:63pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Selected Financial Data and Management's Discussion and Analysis</font></div>
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 8 of 13</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:45pt;width:100%">
        <div><br>
        </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the investment portfolio at
          December&#160;31:</font></div>
      <div style="margin-bottom:6pt;margin-top:11pt">
        <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%" id="ze487ecd663ba449ab175b9bac65f95aa">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:41.138%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.784%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
            </tr>
            <tr>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Carrying Value</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of total</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Carrying Value</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of total</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Bonds</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">647,422&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">96.5&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">580,114&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">95.0&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cash and cash
                  equivalents</font></td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">22,009&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3.3&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">29,047&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4.8&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Policy loans</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">185&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">106&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Derivative assets</font></td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">700&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.1&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Receivables for
                  securities</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,456&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.2&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">724&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.1&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total cash
                  and invested assets</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">671,072&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">610,691&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Bonds</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Refer to Note 5 of the audited Statutory Financial Statements for
          information regarding the nature of our portfolio of bonds. The tables below represents the NAIC ratings for the Company's bond portfolio at December&#160;31, 2022 and 2021.</font></div>
      <div style="margin-bottom:6pt;margin-top:11pt">
        <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%" id="z2c82a1865ee24aeebd213b6c2a0a1451">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:41.138%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.784%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">NAIC Classes</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Fair Value</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized Cost</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">402,120&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">68.3&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">442,762&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">68.4&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2</font></td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">180,165&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">30.6&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">198,397&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">30.6&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Investment
                  grade</font></td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">582,285&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">98.9&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">641,159&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">99.0&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3</font></td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,242&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.1&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,263&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.0&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5</font></td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Below
                  investment grade</font></td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,242&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.1&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,263&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.0&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">588,527&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">647,422&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt">
        <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%" id="z31aef6d272b946d08dce6a8ce4dba447">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:41.138%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.784%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">NAIC Classes</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Fair Value</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized Cost</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">366,499&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">59.4&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">351,132&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">60.6&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2</font></td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">241,412&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">39.2&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">221,262&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">38.1&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Investment
                  grade</font></td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">607,911&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">98.6&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">572,394&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">98.7&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3</font></td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,016&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.3&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,196&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.2&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">555&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.1&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">524&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.1&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5</font></td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Below
                  investment grade</font></td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,571&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.4&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,720&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.3&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">616,482&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">580,114&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>

        </table>
      </div>
      <div style="height:63pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Selected Financial Data and Management's Discussion and Analysis</font></div>
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 9 of 13</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:45pt;width:100%">
        <div><br>
        </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Commercial Mortgage-backed</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">and Asset-backed Securities </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Commercial mortgage-backed securities (CMBS) represent pools of
          commercial mortgages that are broadly diversified across property types and geographical areas. The following table summarizes our exposure to CMBS holdings by NAIC classes and vintage year as of December&#160;31:</font></div>
      <div style="margin-bottom:6pt;margin-top:11pt">
        <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.851%" id="z2b238a85f5f846dd817312be695b31d7">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:17.976%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.803%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.545%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.803%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.545%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:17.976%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.803%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.545%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.804%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="24" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">NAIC Classes</font></td>
              <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized Cost</font></td>
              <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
              <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Vintage</font></td>
              <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized Cost</font></td>
              <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">74,182&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2022</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2</font></td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2021</font></td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2020</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,457&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3.3&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4</font></td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2019</font></td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,718&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5.0&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2018 and prior</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">68,007&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">91.7&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6</font></td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">74,182&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">74,182&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt">
        <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.851%" id="zb4b639b7be5e4212ae1e9263cac647b7">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:17.976%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.803%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.545%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.803%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.545%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:17.976%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.803%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.545%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.804%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="24" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">NAIC Classes</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized Cost</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Vintage</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized Cost</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">83,279&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2021</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2</font></td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2020</font></td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,464&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3.0&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2019</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,750&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4.5&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4</font></td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2018</font></td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,093&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">9.7&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2017 and prior</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">68,972&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">82.8&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6</font></td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">83,279&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">83,279&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Asset backed security (ABS) holdings consist primarily of aircraft
          leases, credit card receivables and other asset-backed securities that meet specific criteria, such as credit quality, insurance requirements, or limits on these types of investments. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes our exposure to other ABS holdings by
          NAIC classes and vintage year as of December&#160;31: </font></div>
      <div style="margin-bottom:6pt;margin-top:11pt">
        <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.851%" id="zbfdd4ef2445c41bfae5ca3c4a326ef66">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:17.976%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.803%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.545%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.803%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.545%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:17.976%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.803%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.545%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.804%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="24" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">NAIC Classes</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized Cost</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Vintage</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized Cost</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,825&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2022</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2</font></td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2021</font></td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,800&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">99.1&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2020</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4</font></td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2019</font></td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2018 and prior</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">25&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.9&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6</font></td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,825&#160;</font></td>
              <td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,825&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt">
        <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.851%" id="zd87fbc95f18f4ea8ab325d269e219324">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:17.976%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.803%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.545%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.803%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.545%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:17.976%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.803%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.545%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.804%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="24" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
            </tr>
            <tr>
              <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">NAIC Classes</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized Cost</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Vintage</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized Cost</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,881&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2021</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,800&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">97.2&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2</font></td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2020</font></td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2019</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4</font></td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2018</font></td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2017 and prior</font></td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">81&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2.8&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6</font></td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,881&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,881&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="height:63pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Selected Financial Data and Management's Discussion and Analysis</font></div>
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 10 of 13</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:45pt;width:100%">
        <div><br>
        </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Unrealized investment losses on bonds, for investment grade (NAIC
          classes 1-2) and below investment grade (NAIC classes 3-6) securities by duration are as follows at December&#160;31:</font></div>
      <div style="margin-bottom:6pt;margin-top:11pt">
        <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%" id="ze3e33fadc82f41ae92b91b01923f54c7">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:41.138%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.784%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="21" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
            </tr>
            <tr>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Investment Grade</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Below Investment
                  Grade</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Twelve months or less
                  below fair value</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">36,020&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">58.7&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">115&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.2&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">More than twelve
                  months below fair value</font></td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">25,225&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">41.1&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">43&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total </font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">61,245&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">99.8&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">158&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.2&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt">
        <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%" id="z43068c0afd8c48779c55e6876176aff9">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:41.138%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.784%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="21" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
            </tr>
            <tr>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Investment Grade</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Below Investment
                  Grade</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Twelve months or less
                  below fair value</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,970&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">71.0&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">9&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.2&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">More than twelve
                  months below fair value</font></td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,203&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">28.8&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total </font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,173&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">99.8&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">9&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.2&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See Note 5 of the audited Statutory Financial Statements for
          additional disclosures in regards to unrealized investment losses on bonds.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Other-than-temporary impairments, by market sector, for impairments
          included in the Statements of Operations, were as follows at December&#160;31: </font></div>
      <div style="margin-bottom:6pt;margin-top:11pt">
        <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%" id="zaa81701572644de7977d9249137e7994">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:41.138%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.784%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="9" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="9" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
            </tr>
            <tr>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Impairment</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">No. of
                  Securities</font></td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Impairment</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">No. of
                  Securities</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Corporate securities</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">539&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Refer to Note 6 of the audited Statutory Financial Statements for
          information regarding the fair value and fair value hierarchy level of our financial instruments.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Liquidity and Capital Resources</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Overview</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company&#8217;s liquidity requirements are generally met through funds
          provided by investment income, receipt of insurance premiums, M&amp;E fees and benefit rider income, and maturities and sales of investments. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company does not utilize the capital markets as a source of
          capital. Should the need for capital arise, the Company may utilize its parent, Allianz Life, as an alternative source of funding. The Company has a line of credit agreement with its parent, Allianz Life, to provide liquidity to the Company, as
          needed. The Company&#8217;s borrowing capacity under the agreement is limited to 5% of the general account admitted assets of the Company as of the preceding year end which amounts to $124,831. The Company's general account admitted assets include the
          book value portion of the non-insulated separate account assets. As of December&#160;31, 2022 and 2021, there are no amounts outstanding under the line of credit agreement. In addition, if capital infusions are deemed necessary, the Company obtains
          prior approval by the Department, as appropriate. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The primary uses of funds are policy benefits, commissions, other
          product-related acquisition costs, investment purchases, and operating expenses. The Company routinely reviews its sources and uses of funds in order to meet its ongoing obligations.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Financial Ratings and Strength</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We received the following financial strength ratings as of
          December&#160;31, 2022:</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">AM Best&#160;&#160;&#160;&#160;A+ (Superior)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">S&amp;P&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;AA (Very Strong)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The financial strength ratings are influenced by many factors
          including the operating and financial performance, asset quality, liquidity, asset/liability management, overall portfolio mix, financial leverage, and exposure to risks.</font></div>
      <div style="height:63pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Selected Financial Data and Management's Discussion and Analysis</font></div>
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 11 of 13</font></div>
        </div>
      </div>
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      <div style="min-height:45pt;width:100%">
        <div><br>
        </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><br>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><br>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Cash Flows</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The cash flows of the Company for the years ended December&#160;31, 2022,
          2021, and 2020 are summarized in the condensed table below:</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> </font></div>
      <div style="margin-bottom:6pt;margin-top:11pt">
        <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.660%" id="zdc7cd65988de4ba783b955d5868d1c2e">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:58.628%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.554%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:11.569%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.554%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:11.569%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.554%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:11.572%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Year ended December&#160;31,</font></td>
            </tr>
            <tr>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"><br>
              </td>
              <td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net cash provided by operating activities</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">949&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">79,047&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">38,478&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net cash used in
                  investing activities</font></td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(39,612)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(67,319)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(61,112)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net cash provided by
                  (used in) financing and miscellaneous activities</font></td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">31,625&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">682&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,742)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 21.25pt;text-align:left;text-indent:-9pt;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net (decrease) increase in cash and cash equivalents</font></td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(7,038)</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">12,410&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
              </td>
              <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(24,376)</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We have the funds necessary to meet capital requirements in the
          state of New York and to support our operations.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The decrease in net cash provided by operating activities in 2022
          compared to 2021 is primarily due to a decrease in premiums and other income, and increases in net transfers to separate accounts and commissions. This was partially offset by a decrease in surrenders and annuity benefits. </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The increase in net cash provided by operating activities in 2021 compared to 2020 is primarily due to an
          increase in premiums and other income. This was partially offset by an increase in surrenders and annuity benefits, an increase in commissions, lower net investment income, and an increase in income taxes paid. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The decrease in cash flow used in investing activities in 2022
          compared to 2021 was primarily driven by derivative cash impacts and a net increase in bond purchases. </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The increase in cash flow used in investing activities in 2021 compared to 2020 was primarily driven by derivative cash impacts, partially offset by a net increase in bond
          purchases. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The increase in cash provided by financing activities in 2022
          compared to 2021 is primarily due to the capital contribution from parent and an increase in cash used by other miscellaneous activities. </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The increase in cash provided by financing activities in 2021 compared to 2020 is primarily due to the change in payable from parent, and a decrease in cash used by other
          miscellaneous activities. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Risk-Based Capital</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See Note 15 of the audited Statutory Financial Statements for
          information regarding the Risk-Based Capital (RBC). The Company's RBC ratio significantly exceeds required minimum thresholds as of December&#160;31, 2022 and 2021.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Statutory Surplus and Dividends</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company is required to meet minimum statutory capital and
          surplus requirements. The Company&#8217;s statutory capital and surplus as of December&#160;31, 2022 and 2021 were in compliance with these requirements. The maximum amount of dividends that can be paid by New York insurance companies to stockholders
          without prior approval of the Department is subject to restrictions relating to statutory earned surplus, also known as unassigned funds. Unassigned funds are determined in accordance with the accounting procedures and practices governing
          preparation of the statutory annual statement. In accordance with New York statutes, the Company may declare and pay from its Unassigned surplus cash dividends of not more than the greater of 10% of its beginning-of-the year statutory surplus, or
          its net gain from operations of the insurer, not including realized gains, for the 12-month period ending the 31st day of the preceding year. Based on these restrictions, ordinary dividends of $17,156 can be paid in 2023 without the approval of
          the Department. The Company paid no dividends in 2022, 2021 or 2020.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Commitments &amp; Contingencies</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See Note 18 of the audited Statutory Financial Statements for
          information regarding commitments and contingencies</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has contractual obligations in the form of Policyholder
          liabilities, see Notes 10 through 12 of the audited Statutory Financial Statements for additional information regarding our annuity and life actuarial reserves, deposit liabilities, and separate accounts. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Off-Balance Sheet Arrangements</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company does not have any off-balance sheet transactions,
          arrangements or other relationships that management believes would be reasonably likely to have a material effect on the Company&#8217;s liquidity or capital position.</font></div>
      <div style="height:63pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Selected Financial Data and Management's Discussion and Analysis</font></div>
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 12 of 13</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:45pt;width:100%">
        <div><br>
        </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company utilizes derivatives for which the company is either
          required to settle variation margin or post collateral; see Note 5 of the audited Statutory Financial Statements for additional information regarding derivative collateral management.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Item&#160;11(j).</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Quantitative and Qualitative Disclosures about Market Risk</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Market risk is the risk of the loss of fair value resulting from
          adverse changes in market rates and prices, such as interest rates and equity prices. Market risk is directly influenced by the volatility and liquidity in the markets in which the related underlying financial instruments are traded. Reference
          Note 4 of the audited Statutory Financial Statements for additional details on how we mitigate our market exposure risk and our overall risk management practices. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Sensitivity Analysis</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">To assess the impact of changes in interest rate and equity markets,
          we perform sensitivity tests. Sensitivity tests measure the instantaneous impact of a single hypothetical interest rate or equity price change on our post-tax income, or fair value of an asset or liability, while holding all other rates or prices
          constant. To assess interest rate risk, we perform a sensitivity test which instantaneously shocks interest rates across all maturities by a hypothetical 50 basis points (bps). To assess equity risk, we perform a sensitivity test which
          instantaneously shocks all equity prices by a hypothetical 15%.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Interest Rate Risk</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">One means of assessing exposure to interest rate changes is to
          measure the potential change in the statutory value of an asset due to a hypothetical change in interest rates of 50 bps across all maturities. We noted that under this model, with all other factors remaining constant, a 50 bps increase in
          interest rates would cause our post-tax income to increase by $6,197 as of December&#160;31, 2022.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We also examined the impact on after tax income due to a
          hypothetical decrease in interest rates of 50 bps across all maturities. Under this model, with all other factors being constant, we estimated that such a decline would cause our post-tax income to decrease by $9,033 as of December&#160;31, 2022. Note
          that the impacts referenced reflect the net hedge impact and do not include any economic impact related to our fixed-income investment portfolio or economic changes in reserve calculations.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Equity Market Risk</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">One means of assessing exposure to changes in equity market prices
          is to estimate the potential changes in post-tax income from a hypothetical change in equity market prices of 15%. Under this model, with all other factors constant, we estimated that a decrease in equity market prices would cause our post-tax
          income to decrease by $14,273, while an increase in equity market prices would cause our post-tax income to decrease by $9,822 based on our equity exposure as of December&#160;31, 2022. Note that the impacts referenced reflect the net hedge impact and
          do not include any economic impact related to our fixed-income investment portfolio or economic changes in reserve calculations.</font></div>
      <div style="height:63pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Selected Financial Data and Management's Discussion and Analysis</font></div>
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 13 of 13</font></div>
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        <div style="margin-bottom:6pt;margin-top:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:14pt;font-weight:400;line-height:120%">Statutory Financial Statements</font></div>
        <div style="margin-bottom:6pt;margin-top:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:14pt;font-weight:400;line-height:120%">December&#160;31, 2022 and 2021 </font></div>
        <div style="margin-bottom:6pt;margin-top:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:14pt;font-weight:400;line-height:120%">(With Report of Independent Auditors Thereon)</font></div>
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        <div style="text-align:center"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 115%;">Report of Independent Auditors</font></div>
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        <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 112%;">To the Board of Directors of Allianz Life Insurance Company of New York</font></div>
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        <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 112%;">Opinions</font></div>
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        <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 112%;">We have audited the accompanying statutory financial statements of Allianz Life Insurance Company of New York (the "Company"), which
            comprise the statutory statements of admitted assets, liabilities, and capital and surplus as of December 31, 2022 and 2021, and the related statutory statements of operations, of capital and surplus, and of cash flow for each of the three
            years in the period ended December 31, 2022, including the related notes (collectively referred to as the "financial statements").</font></div>
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        <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 112%;">Unmodified Opinion on Statutory Basis of Accounting</font></div>
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        <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 112%;">In our opinion, the accompanying financial statements present fairly, in all material respects, the admitted assets, liabilities and
            capital and surplus of the Company as of December 31, 2022 and 2021, and the results of its operations and its cash flows for each of the three years in the period ended December 31, 2022, in accordance with the accounting practices prescribed
            or permitted by the New York State Department of Financial Services described in Note 2.</font></div>
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        <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 112%;">Adverse Opinion on U.S. Generally Accepted Accounting Principles</font></div>
        <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 112%;">In our opinion, because of the significance of the matter discussed in the Basis for Adverse Opinion on U.S. Generally Accepted
            Accounting Principles section of our report, the accompanying financial statements do not present fairly, in accordance with accounting principles generally accepted in the United States of America, the financial position of the Company as of
            December 31, 2022 and 2021, or the results of its operations or its cash flows for each of the three years in the period ended December 31, 2022.</font></div>
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        <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 112%;">Basis for Opinions</font></div>
        <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 112%;">We conducted our audit in accordance with auditing standards generally accepted in the United States of America (US GAAS). Our
            responsibilities under those standards are further described in the Auditors' Responsibilities for the Audit of the Financial Statements section of our report. We are required to be independent of the Company and to meet our other ethical
            responsibilities, in accordance with the relevant ethical requirements relating to our audit. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion.</font></div>
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        <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 112%;">Basis for Adverse Opinion on U.S. Generally Accepted Accounting Principles</font></div>
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        <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 112%;">As described in Note 2 to the financial statements, the financial statements are prepared by the Company on the basis of the
            accounting practices prescribed or permitted by the New York State Department of Financial Services, which is a basis of accounting other than accounting principles generally accepted in the United States of America.</font></div>
        <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 112%;">The effects on the financial statements of the variances between the statutory basis of accounting described in Note 2 and accounting
            principles generally accepted in the United States of America, although not reasonably determinable, are presumed to be material.</font></div>
        <div><br>
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        <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 112%;">Responsibilities of Management for the Financial Statements</font></div>
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        <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 112%;">Management is responsible for the preparation and fair presentation of the financial statements in accordance with the accounting
            practices prescribed or permitted by the New York State Department of Financial Services. Management is also responsible for the design, implementation, and maintenance of internal control relevant to the preparation and fair presentation of
            financial statements that are free from material misstatement, whether due to fraud or error.</font></div>
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        <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 112%;">In preparing the financial statements, management is required to evaluate whether there are conditions or events, considered in the
            aggregate, that raise substantial doubt about the Company's ability to continue as a going concern for one year after the date the financial statements are available to be issued.</font></div>
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        <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 112%;">Auditors' Responsibilities for the Audit of the Financial Statements</font></div>
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        <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 112%;">Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material
            misstatement, whether due to fraud or error, and to issue an auditors' report that includes our opinion. Reasonable assurance is a high level of assurance but is not absolute assurance and therefore is not a guarantee that an audit conducted in
            accordance with US GAAS will always detect a material misstatement when it exists. The risk of not detecting a material misstatement resulting from fraud is higher than for one resulting from error, as fraud may involve collusion, forgery,
            intentional omissions, misrepresentations, or the override of internal control. Misstatements are considered material if there is a substantial likelihood that, individually or in the aggregate, they would influence the judgment made by a
            reasonable user based on the financial statements. </font></div>
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        <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 112%;">In performing an audit in accordance with US GAAS, we:</font></div>
        <div style="padding-left:36pt;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 112%;">a.</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 112%; padding-left: 11.07pt;">Exercise professional judgment and maintain professional skepticism throughout the audit.</font></div>
        <div style="padding-left:36pt;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 112%;">b.</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 112%; padding-left: 10.5pt;">Identify and assess the risks of material misstatement of the financial statements, whether due to fraud or error, and design and perform audit procedures responsive to those risks.
            Such procedures include examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements.</font></div>
        <div style="padding-left:36pt;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 112%;">c.</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 112%; padding-left: 11.07pt;">Obtain an understanding of internal control relevant to the audit in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing
            an opinion on the effectiveness of the Company's internal control. Accordingly, no such opinion is expressed.</font></div>
        <div style="padding-left:36pt;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 112%;">d.</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 112%; padding-left: 10.5pt;">Evaluate the appropriateness of accounting policies used and the reasonableness of significant accounting estimates made by management, as well as evaluate the overall presentation of
            the financial statements.</font></div>
        <div style="padding-left:36pt;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 112%;">e.</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 112%; padding-left: 11.07pt;">Conclude whether, in our judgment, there are conditions or events, considered in the aggregate, that raise substantial doubt about the Company's ability to continue as a going concern
            for a reasonable period of time.</font></div>
        <div><br>
        </div>
        <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 112%;">We are required to communicate with those charged with governance regarding, among other matters, the planned scope and timing of the
            audit, significant audit findings, and certain internal control-related matters that we identified during the audit.</font></div>
        <div><br>
        </div>
        <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 112%;">/s/PricewaterhouseCoopers LLP</font></div>
        <div><br>
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        <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 112%;">Minneapolis, Minnesota </font></div>
        <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 112%;">April 7, 2023</font></div>
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          <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus</font></div>
          <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">December&#160;31, 2022 and 2021</font></div>
          <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data)</font></div>
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                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
                <td colspan="3" style="padding:0 1pt"><br>
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                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
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                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cash and invested
                    assets:</font></td>
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                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
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                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Bonds</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">647,422&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">580,114&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
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                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cash and
                    cash equivalents</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">22,009&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
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                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">29,047&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Policy
                    loans</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">185&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">106&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Derivative

                    assets</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">700&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Receivables

                    for securities</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,456&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">724&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                    cash and invested assets</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">671,072&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">610,691&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Investment income
                    due and accrued</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,719&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,480&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Deferred tax asset,
                    net</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,439&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,772&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other assets</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">475&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,313&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Admitted
                    assets, exclusive of separate account assets</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">684,705&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">624,256&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Separate account
                    assets</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,347,526&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,447,304&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                    admitted assets</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,032,231&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,071,560&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>

          </table>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
        <div style="height:54pt;position:relative;width:100%">
          <div style="bottom:0;position:absolute;width:100%">
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
              <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%" id="z68ec37d73bd54f98a2cd2784bf39ab32">

                  <tr>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.234%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                  </tr>
                  <tr>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                    <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom">
                      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3 of 42</font></div>
                      <div><br>
                      </div>
                    </td>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                  </tr>

              </table>
              <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
          </div>
        </div>
        <hr style="page-break-after:always">
        <div style="min-height:108pt;width:100%">
          <div style="text-align:center"><br>
          </div>
          <div style="text-align:center"><br>
          </div>
          <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus</font></div>
          <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">December&#160;31, 2022 and 2021</font></div>
          <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data)</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.851%" id="zd000209fe93d4de59a6f9f0459fe4307">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:57.469%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:4.712%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:16.336%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.545%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:16.338%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Liabilities and Capital and Surplus</font></td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Policyholder
                    liabilities:</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life
                    policies and annuity contracts</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">459,725&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">388,469&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Accident
                    and health policies</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">83,151&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">78,678&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Deposit-type

                    contracts</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,735&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,122&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life
                    policy and contract claims</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">21&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">71&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Accident
                    and health policy and contract claims</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">433&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">258&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                    policyholder liabilities</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">550,065&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">473,598&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">General expenses due
                    and accrued</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,108&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">494&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Due from separate
                    accounts</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(64,853)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(38,810)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Payable to parent
                    and affiliates</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,176&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,793&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Current income taxes</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,548&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,005&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Asset valuation
                    reserve</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">12,862&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10,141&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other liabilities</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,235&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,025&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 46pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Liabilities,

                    exclusive of separate account liabilities</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">513,141&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">461,246&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Separate account
                    liabilities</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,347,526&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,447,304&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                    liabilities</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,860,667&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,908,550&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Capital and surplus:</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Common
                    stock, $10 par value. Authorized, issued, and outstanding 200,000 shares at December 31, 2022 and 2021</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,000&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,000&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Additional

                    paid-in capital</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">102,500&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">72,500&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Unassigned

                    surplus</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">67,064&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">88,510&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                    capital and surplus</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">171,564&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">163,010&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                    liabilities and capital and surplus</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,032,231&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,071,560&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr style="height:15pt">
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">See accompanying
                    notes to statutory financial statements.</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
              </tr>

          </table>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
        <div style="height:54pt;position:relative;width:100%">
          <div style="bottom:0;position:absolute;width:100%">
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
              <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%" id="z24ac70b7f5f84f739bf207512bd5f3dc">

                  <tr>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.234%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                  </tr>
                  <tr>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                    <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom">
                      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4 of 42</font></div>
                      <div><br>
                      </div>
                    </td>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                  </tr>

              </table>
              <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
          </div>
        </div>
        <hr style="page-break-after:always">
        <div style="min-height:108pt;width:100%">
          <div style="text-align:center"><br>
          </div>
          <div style="text-align:center"><br>
          </div>
          <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Statutory Statements of Operations</font></div>
          <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Years ended December&#160;31, 2022, 2021, and 2020</font></div>
          <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands)</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%" id="z3f7077748e1642dd95ab08ac7a82baeb">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:54.257%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.544%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:13.036%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.544%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:13.036%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.544%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:13.039%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Income:</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Premiums
                    and annuity considerations</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">656,597&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">688,560&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">428,499&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Consideration

                    for supplementary contracts</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,242&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,042&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,445&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net
                    investment income</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">18,100&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,177&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">18,028&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Commissions

                    and expense allowances on reinsurance ceded</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,146&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">578&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">291&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Fees
                    from separate accounts</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">58,894&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">66,792&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">66,045&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                    income</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">736,979&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">773,149&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">516,308&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Benefits and other
                    expenses:</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Policyholder

                    benefits</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">43,865&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">40,707&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">34,640&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Surrenders</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">230,201&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">240,826&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">209,892&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Change
                    in aggregate reserves and deposit funds</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">76,056&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(17,165)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,842&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Commissions

                    and other agent compensation</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">46,104&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">47,602&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">31,709&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">General
                    and administrative expenses</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">36,832&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">30,752&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">25,166&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net
                    transfers to separate accounts</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">351,286&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">358,538&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">186,015&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                    benefits and other expenses</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">784,344&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">701,260&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">489,264&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 34.75pt;text-align:left;text-indent:-9pt;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Income from operations before income taxes and net realized capital gain</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(47,365)</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">71,889&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">27,044&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Income tax expense</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,586&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,319&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,280&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 34.75pt;text-align:left;text-indent:-9pt;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net (loss) income from operations before net realized capital gain</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(50,951)</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">65,570&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">25,764&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;text-indent:-9pt;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net realized capital gain (loss), net of taxes and interest maintenance reserve</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">22,638&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(59,957)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(41,220)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net
                    (loss) income</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(28,313)</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,613&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(15,456)</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr style="height:15pt">
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">See accompanying
                    notes to statutory financial statements.</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
              </tr>

          </table>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
        <div style="height:54pt;position:relative;width:100%">
          <div style="bottom:0;position:absolute;width:100%">
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
              <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%" id="zf108044ce7eb4306878b66431d342c01">

                  <tr>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.234%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                  </tr>
                  <tr>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                    <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom">
                      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5 of 42</font></div>
                      <div><br>
                      </div>
                    </td>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                  </tr>

              </table>
              <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
          </div>
        </div>
        <hr style="page-break-after:always">
        <div style="min-height:108pt;width:100%">
          <div style="text-align:center"><br>
          </div>
          <div style="text-align:center"><br>
          </div>
          <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Statutory Statements of Capital and Surplus</font></div>
          <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Years ended December&#160;31, 2022, 2021, and 2020</font></div>
          <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands)</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%" id="z63963b454cbe412d8bb9b2254371c811">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:54.852%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.734%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:12.441%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.544%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:12.441%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.544%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:12.444%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Capital
                    and surplus at beginning of year</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">163,010&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">155,969&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">171,336&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net
                    (loss) income</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(28,313)</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,613&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(15,456)</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Change
                    in unrealized capital gain (loss)</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,843&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,534&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,845)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Change
                    in net deferred income tax</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,856&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,807&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,397&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Change
                    in nonadmitted assets</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(4,124)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,308)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,698)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Capital
                    contribution from parent</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">30,000&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other
                    changes in capital and surplus</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(2,708)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(2,605)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,765)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Capital
                    and surplus at end of year</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">171,564&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">163,010&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">155,969&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr style="height:15pt">
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">See accompanying
                    notes to statutory financial statements.</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
              </tr>

          </table>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
        <div style="height:54pt;position:relative;width:100%">
          <div style="bottom:0;position:absolute;width:100%">
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
              <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%" id="z11cd84d2cbd64a5987637b0c893436a8">

                  <tr>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.234%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                  </tr>
                  <tr>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                    <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom">
                      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6 of 42</font></div>
                      <div><br>
                      </div>
                    </td>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                  </tr>

              </table>
              <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
          </div>
        </div>
        <hr style="page-break-after:always">
        <div style="min-height:108pt;width:100%">
          <div style="text-align:center"><br>
          </div>
          <div style="text-align:center"><br>
          </div>
          <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Statutory Statements of Cash Flow</font></div>
          <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Years ended December&#160;31, 2022, 2021, and 2020</font></div>
          <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands)</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%" id="z31bc9d4c21064ad9980d7cda437933b9">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:59.763%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.395%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:11.251%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.544%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:11.251%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.544%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:11.252%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cash flows from
                    operating activities:</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Revenues:</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Premiums
                    and annuity considerations, net</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">658,838&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">689,603&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">432,042&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net
                    investment income</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">20,141&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19,340&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">21,039&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other
                    income</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">60,035&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">67,367&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">66,336&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total cash
                    provided by operating activities</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">739,014&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">776,310&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">519,417&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Benefits
                    and expenses paid:</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Benefit
                    and loss-related payments</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">272,409&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">279,458&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">242,416&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Commissions,

                    expenses paid, and aggregate write-ins for deductions</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">82,323&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">78,441&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">56,583&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net
                    transfers to separate accounts</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">377,329&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">337,054&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">189,376&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Income
                    tax paid (benefit received), net</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,004&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,310&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(7,436)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total cash
                    used in operating activities</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">738,065&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">697,263&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">480,939&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net cash
                    provided by operating activities</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">949&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">79,047&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">38,478&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cash flows from
                    investing activities:</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Proceeds
                    from investments sold, matured, or repaid:</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Bonds</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">97,922&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">82,882&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">152,052&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Derivatives</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">29,969&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Miscellaneous

                    proceeds</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">36&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">374&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total cash
                    provided by investing activities</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">127,891&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">82,918&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">152,426&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cost of
                    investments acquired:</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Bonds</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">166,219&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">91,367&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">171,141&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Derivatives</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">58,296&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">42,397&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Miscellaneous

                    applications</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,284&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">574&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total cash
                    used in investing activities</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">167,503&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">150,237&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">213,538&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net cash
                    used in investing activities</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(39,612)</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(67,319)</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(61,112)</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cash flows from
                    financing and miscellaneous activities:</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Capital
                    Contribution</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">30,000&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Change
                    in payable to parent and affiliates</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">383&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">891&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">518&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,242&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(209)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(2,260)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 40pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net cash
                    provided by (used in) financing and miscellaneous activities</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">31,625&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">682&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,742)</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 51.25pt;text-align:left;text-indent:-9pt;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net (decrease) increase in cash and cash equivalents</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(7,038)</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">12,410&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(24,376)</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cash and cash
                    equivalents:</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Beginning

                    of year</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">29,047&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,637&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">41,013&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">End of
                    year</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">22,009&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">29,047&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,637&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr style="height:15pt">
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">See accompanying
                    notes to statutory financial statements.</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
              </tr>

          </table>
        </div>
        <div style="height:54pt;position:relative;width:100%">
          <div style="bottom:0;position:absolute;width:100%">
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
              <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%" id="z15a3bd79726444608549fd8cb4def0cb">

                  <tr>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.234%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                  </tr>
                  <tr>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                    <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom">
                      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7 of 42</font></div>
                      <div><br>
                      </div>
                    </td>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                  </tr>

              </table>
              <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
          </div>
        </div>
        <hr style="page-break-after:always">
        <div style="min-height:108pt;width:100%">
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="text-align:center"><br>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">(1)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%; padding-left: 15.34pt;">Organization and Nature of Operations</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Allianz Life Insurance Company of New York (the
            Company) is a wholly-owned subsidiary of Allianz Life Insurance Company of North America (Allianz Life), which is a wholly-owned subsidiary of Allianz of America, Inc. (AZOA). AZOA is a wholly-owned subsidiary of Allianz Europe, B.V., which is
            a wholly-owned subsidiary of Allianz SE. Allianz SE is a European company registered in Munich, Germany, and is the Company's ultimate parent.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company is a life insurance company licensed to
            sell annuity, group and individual life, group and individual accident and health policies in six states and the District of Columbia. Based on statutory net premium written, the Company's business is predominately annuity. The annuity business
            consists of variable-indexed annuities and closed blocks of variable, fixed and fixed-indexed annuities. The life business includes term life policies and closed blocks of universal life policies. Accident and health business is primarily
            comprised of closed blocks of long-term care (LTC) insurance. The Company's primary distribution channel is through broker-dealers.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">After evaluating the Company&#8217;s ability to continue as a
            going concern, management is not aware of any conditions or events which raise substantial doubt concerning the Company&#8217;s ability to continue as a going concern as of the date of filing these Statutory Financial Statements. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">(2)&#160;&#160;&#160;&#160;Summary of Significant Accounting Policies</font></div>
        <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(a)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">Basis of Presentation</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Statutory Financial Statements have been prepared
            in accordance with accounting practices prescribed or permitted by the New York State Department of Financial Services (the&#160;Department). The Department recognizes statutory accounting practices prescribed or permitted by the state of New York
            for determining and reporting the financial condition and results of operations of an insurance company and its solvency under New York insurance law. The state of New York has adopted the National Association of Insurance Commissioners (NAIC)
          </font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Accounting Practices and Procedures Manual</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;"> as its prescribed basis of statutory accounting principles (SAP). The state of New York has also adopted certain prescribed accounting practices that differ from those found in NAIC SAP.
            The Company has no material statutory accounting practices that differ from those of the Department or NAIC SAP. These practices differ in some respects from accounting principles generally accepted in the United States of America (U.S. GAAP).
            The effects of these differences, while not quantified, are presumed to be material to the Statutory Financial Statements. The more significant of these differences are as follows: </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(1)&#160;&#160;&#160;&#160;Acquisition costs, such as
            commissions and other costs incurred in connection with acquiring new and renewal business, are charged to current operations as incurred. Under U.S. GAAP, acquisition costs that are directly related to the successful acquisition of insurance
            contracts are capitalized and charged to operations as the corresponding revenues or future profits are recognized.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(2)&#160;&#160;&#160;&#160;Aggregate reserves for life
            policies and annuity contracts, excluding variable annuities, are based on statutory mortality and interest assumptions without consideration for lapses or withdrawals. Under U.S. GAAP, aggregate reserves consider lapses and withdrawals.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(3)&#160;&#160;&#160;&#160;Ceded reinsurance recoverable
            are netted against their related reserves within Policyholder liabilities, Life policies and annuity contracts and Life policy and contract claims, on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. Under U.S.
            GAAP, these ceded reserves are presented on a gross basis as an asset.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(4)&#160;&#160;&#160;&#160;Bonds are carried at values
            prescribed by the NAIC, generally amortized cost, except for those with an NAIC rating of 6, which are reported at the lower of amortized cost or fair value. Under U.S. GAAP, bonds classified as &#8220;available-for-sale&#8221; are carried at fair value,
            with unrealized gains and losses recorded in stockholder&#8217;s equity.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(5)&#160;&#160;&#160;&#160;Changes in deferred income
            taxes are recorded directly to Unassigned surplus. Under U.S. GAAP, these items are generally recorded as an item of income tax benefit or expense in operations. Moreover, under NAIC SAP, a valuation allowance may be recorded against the
            deferred tax asset (DTA) and admittance </font></div>
        <div style="height:58.5pt;position:relative;width:100%">
          <div style="bottom:0;position:absolute;width:100%">
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
              <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%" id="z42a57092da3e4d39879c8d53166cd6d7">

                  <tr>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
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                      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8 of 42</font></div>
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              <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
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          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="text-align:center"><br>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">testing may result in an additional charge to capital
            and surplus for nonadmitted portions of DTAs. Under U.S. GAAP, a valuation allowance may be recorded against the DTA and reflected as an expense.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(6)&#160;&#160;&#160;&#160;The Company is required to
            establish an asset valuation reserve (AVR) liability and an interest maintenance reserve (IMR) liability. The AVR provides for a standardized statutory investment valuation reserve for certain invested assets. Changes in this reserve are
            recorded as direct charges or credits to Unassigned surplus. The IMR is designed to defer net realized capital gains and losses, net of tax, resulting from changes in the level of prevailing market interest rates and amortize them into income
            within the Statutory Statements of Operations over the remaining life of the investment sold. The IMR represents the unamortized portion of applicable investment gains and losses as of the balance sheet date. There is no such concept under U.S.
            GAAP.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(7)&#160;&#160;&#160;&#160;Certain assets designated as
            &#8220;nonadmitted assets&#8221; are not recognized and are charged directly to Unassigned surplus within the Statutory Statements of Capital and Surplus. These include, but are not limited to, furniture and fixtures, prepaid expenses, receivables
            outstanding greater than 90&#160;days, negative IMR, and portions of DTAs. There is no such concept under U.S. GAAP. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(8)&#160;&#160;&#160;&#160;A provision is made for
            amounts ceded to unauthorized reinsurers in excess of collateral in the form of a trust or letter of credit through a direct charge to Unassigned surplus within the Statutory Statements of Capital and Surplus. There is no such requirement under
            U.S. GAAP.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(9)&#160;&#160;&#160;&#160;Revenues for universal life
            policies and annuity contracts, excluding deposit-type contracts, are recognized as revenue when received within the Statutory Statements of Operations. Under U.S. GAAP, policy and contract fees charged for the cost of insurance, policy
            administrative charges, amortization of policy initiation fees, and surrender contract charges are recorded as revenues when earned.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(10)&#160;&#160;&#160;&#160;Benefits for universal life
            policies and annuity contracts within the Statutory Statements of Operations, excluding deposit-type contracts, consist of payments made to policyholders. Under U.S. GAAP, benefits represent interest credited, and claims and benefits incurred
            in excess of the policyholder&#8217;s contract balance.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(11)&#160;&#160;&#160;&#160;Changes in the fair value of
            derivatives are recorded as direct adjustments to Unassigned surplus as a component of Change in unrealized capital gains (losses) within the Statutory Statements of Capital and Surplus. Under U.S. GAAP, changes in the fair value of derivatives
            are recorded in derivative income (loss) as part of operating income.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(12)&#160;&#160;&#160;&#160;Commissions allowed by
            reinsurers on business ceded are reported as income when received within the Statutory Statements of Operations. Under U.S. GAAP, such commissions are deferred and amortized as a component of deferred acquisition costs to the extent
            recoverable.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(13)&#160;&#160;&#160;&#160;The Statutory Financial
            Statements do not include a statement of comprehensive income as required under U.S. GAAP.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(14)&#160;&#160;&#160;&#160;The Statutory Statements of
            Cash Flow do not classify cash flows consistent with U.S. GAAP and a reconciliation of net income to net cash provided from operating activities is not provided.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(15)&#160;&#160;&#160;&#160;The calculation of reserves
            and transfers in the separate account statement requires the use of a Commissioners Annuity Reserve Valuation Method (CARVM) allowance on annuities for NAIC SAP. There is no such requirement under U.S. GAAP.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(16)&#160;&#160;&#160;&#160;Sales inducements and premium
            bonuses are included in Life policies and annuity contracts in the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus, and are charged to current operations as incurred. Under U.S. GAAP, deferred sales inducements and
            premium bonuses are similarly reserved; however, the costs are capitalized as assets and charged to operations as future profits are recognized in a manner similar to acquisition costs.</font></div>
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                      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">9 of 42</font></div>
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              <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
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          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="text-align:center"><br>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(17)&#160;&#160;&#160;&#160;Negative cash balances are
            presented as a negative asset within the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. These balances are presented as a liability under U.S. GAAP.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(18)&#160;&#160;&#160;&#160;Embedded derivatives are not
            separated from the host contract and accounted for separately as a derivative instrument. Under U.S. GAAP, entities must separate the embedded derivative from the host contracts and separately account for those embedded derivatives at fair
            value.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(19)&#160;&#160;&#160;&#160;For variable-indexed
            annuities, the Department requires the Company to maintain a separate asset portfolio to back related reserves. These assets and liabilities are required to be included as part of the Separate account assets and Separate account liabilities
            presented on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. Under U.S. GAAP, there is no such requirement.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(b)&#160;&#160;&#160;&#160;Permitted and Prescribed
            Statutory Accounting Practices</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company is required to file annual statements with
            insurance regulatory authorities, which are prepared on an accounting basis permitted or prescribed by such authorities. Prescribed statutory accounting practices include state laws, regulations, and general administrative rules, as well as a
            variety of publications of the NAIC. Permitted statutory accounting practices encompass all accounting practices that are not prescribed; such practices differ from state to state, may differ from company to company within a state, and may
            change in the future. The Company has no permitted or prescribed practices that differ from NAIC SAP that had an impact on net income or surplus as of December&#160;31, 2022, 2021, and 2020.</font></div>
        <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(c)&#160;&#160;&#160;&#160;Use of Estimates</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The preparation of Statutory Financial Statements in
            conformity with NAIC SAP requires management to make certain estimates and assumptions that affect reported amounts of admitted assets and liabilities, including reporting or disclosure of contingent assets and liabilities as of December&#160;31,
            2022 and 2021, and the reported amounts of revenues and expenses during the reporting period. Future events, including changes in mortality, morbidity, interest rates, capital markets, and asset valuations could cause actual results to differ
            from the estimates used within the Statutory Financial Statements. Such changes in estimates are recorded in the period they are determined.</font></div>
        <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(d)&#160;&#160;&#160;&#160;Premiums and Annuity Considerations</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Life premiums are recognized as income over the premium
            paying period of the related policies. Nondeposit-type annuity considerations are recognized as revenue when received. Accident and health premiums are earned ratably over the terms of the related insurance and reinsurance contracts or
            policies.</font></div>
        <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(e)&#160;&#160;&#160;&#160;Aggregate Reserves for Life Policies and
            Annuity Contracts</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Reserves are principally calculated as the minimum
            reserves permitted by the state where the contract is issued for the year in which the contract is issued.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">For the Company&#8217;s fixed annuity product lines, reserves
            are calculated using CARVM. The Company uses both issue year for fixed-indexed and change in fund basis for deferred fixed-interest annuities for the calculation method, on a continuous basis, using the maximum allowable interest rate. Deferred
            fixed-indexed and fixed-interest annuities only have a single-tier structure, which may include bonuses.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">For the Company&#8217;s variable and variable-indexed annuity
            product lines, reserves are calculated using NY Regulation 213, for guaranteed benefits with adequacy confirmed using stochastic scenario testing. Variable deferred annuities include a wide range of guaranteed minimum death benefits and living
            benefits (income, accumulation, and withdrawal).</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Aggregate reserves for life insurance policies are
            principally calculated using the Commissioners Reserve Valuation Method (CRVM) or VM-20, </font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Requirements for
            Principle-Based Reserves for Life Products</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">, depending on the policy's issue date. Additional reserves are held for supplemental
            benefits and for contracts with secondary guarantees, consistent with prescribed regulations and actuarial guidelines. </font></div>
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              <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
          </div>
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        <hr style="page-break-after:always">
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          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="text-align:center"><br>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company performs an annual asset adequacy analysis
            as required by regulation covering substantially all of its reserves. These tests are not only performed under the required interest rate scenarios, but also under additional stochastically generated interest and equity growth scenarios.
            Sensitivity tests, including policy lapse, annuitization, maintenance expenses, and investment return, are performed to evaluate potential insufficiencies in reserve adequacy. The results of these tests and analysis resulted in additional
            adequacy reserves recorded of $57,000 and $22,000 at December&#160;31, 2022 and 2021, respectively. For the universal life business, the Department&#8217;s Regulation 147 &#8211; </font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Valuation of Life Insurance Reserves</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;"> stand-alone asset adequacy
            analysis was performed, which resulted in establishing additional reserves of $100 and $100 as of December&#160;31, 2022 and 2021, respectively.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(f)&#160;&#160;&#160;&#160;Aggregate Reserves for
            Accident and Health Policies</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">For accident and health business, reserves consist of
            active life reserves (mainly reserves for unearned premiums and reserves for contingent benefits on individual LTC business) and claim reserves (the&#160;present value of amounts not yet due). Claim reserves represent incurred but unpaid claims
            under group policies. For the LTC business, the Department&#8217;s Regulation 56 &#8211; </font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Minimum Reserves for
            Individual Accident and Health Insurance Policies</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;"> stand&#8209;alone asset adequacy analysis was performed through a gross premium
            valuation. The testing under the &#8220;sound value&#8221; requirements resulted in recorded reserves of $36,504 and $34,536 as of December&#160;31, 2022 and 2021, respectively.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(g)&#160;&#160;&#160;&#160;Deposit-type Contracts</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Deposit-type contracts represent liabilities to
            policyholders in a payout status, who have chosen a fixed payout option without life contingencies. The premiums and claims related to deposit-type contracts are not reflected in the Statutory Statements of Operations as they do not have
            insurance risk. The Company accounts for the contract as a deposit-type contract in the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.</font></div>
        <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(h)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">Policy and Contract Claims</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Policy and contract claims include the liability for
            claims reported but not yet paid, claims incurred but not yet reported (IBNR), and claim settlement expenses on the Company&#8217;s accident and health business. Actuarial reserve development methods are generally used in the determination of IBNR
            liabilities. In cases of limited experience or lack of credible claims data, loss ratios are used to determine an appropriate IBNR liability. Claim and IBNR liabilities of a short-term nature are not discounted, but those claim liabilities
            resulting from disability income or LTC benefits include interest and mortality discounting.</font></div>
        <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(i)&#160;&#160;&#160;&#160;Reinsurance</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company cedes business to other insurers.
            Reinsurance premium and benefits paid or provided are accounted for in a manner consistent with the basis used in accounting for original policies issued and the terms of the reinsurance contracts. Amounts recoverable from reinsurers represent
            account balances and unpaid claims covered under reinsurance contracts. Amounts paid or deemed to have been paid for claims covered by reinsurance contracts are recorded as a reinsurance recoverable and are included in Other assets on the
            Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. </font></div>
        <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(j)&#160;&#160;&#160;&#160;Investments</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Investment values are determined in accordance with
            methods prescribed by the NAIC. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Bonds</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Securities Valuation Office (SVO) of the NAIC
            evaluates the credit quality of the Company&#8217;s bond investments. Bonds rated at &#8220;1&#8221; (highest quality), &#8220;2&#8221; (high quality), &#8220;3&#8221; (medium quality), &#8220;4&#8221; (low quality), or &#8220;5&#8221; (lower quality) are reported at cost adjusted for the amortization of
            premiums, accretion of discounts, and any impairment. Bonds rated at &#8220;6&#8221; (lowest quality) are carried at the lower of amortized cost or fair value with any adjustments to fair value recorded to Unassigned surplus within the Statutory Statements
            of Capital and Surplus. </font></div>
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            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
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                      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">11 of 42</font></div>
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              </table>
              <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
          </div>
        </div>
        <hr style="page-break-after:always">
        <div style="min-height:108pt;width:100%">
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          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="text-align:center"><br>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">In accordance with its investment policy, the Company
            invests primarily in high-grade marketable securities. Dividends are accrued on the date declared and interest is accrued as earned. Premiums or discounts on bonds are amortized using the constant-yield method.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Loan-backed securities and structured securities are
            amortized using anticipated prepayments, in addition to other less significant factors. Prepayment assumptions for loan-backed and structured securities are obtained from various external sources or internal estimates. The Company believes
            these assumptions are consistent with those a market participant would use. The Company recognizes income using the modified scientific method based on prepayment assumptions and the estimated economic life of the securities. For structured
            securities, except impaired bonds, when actual prepayments differ significantly from anticipated prepayments, the effective yield is recalculated to reflect actual payments to date and anticipated future payments retrospectively. Any resulting
            adjustment is included in Net investment income on the Statutory Statements of Operations. For impaired bonds, when adjustments are made for anticipated prepayments and other expected changes in future cash flows, the effective yield is
            recalculated using the prospective method as required by Statement of Statutory Accounting Principles (SSAP) No.&#160;43R &#8211; </font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Loan Backed and Structured Securities</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;"> (SSAP No.&#160;43R). </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Hybrid securities are investments structured to have
            characteristics of both stocks and bonds. The Company records these securities within Bonds on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Gross realized gains and losses are computed based on
            the average amortized cost of all lots held for a particular CUSIP. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The fair value of bonds is obtained from third-party
            pricing sources whenever possible. Management completes its own independent price verification (IPV) process, which ensures security pricing is obtained from a third-party source other than the sources used by the Company's internal and
            external investment managers. The IPV process supports the reasonableness of price overrides and challenges by the internal and external investment managers and reviews pricing for appropriateness. Results of the IPV process are reviewed by the
            Company&#8217;s Pricing Committee.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Allianz Life reviews its entire combined investment
            portfolio, including the investment portfolios of the Company and all other subsidiaries, in aggregate each quarter to determine if declines in fair value are other than temporary.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">For bonds for which the fair value is less than
            amortized cost, the Company evaluates whether a credit loss exists by considering primarily the following factors: (a)&#160;the length of time and extent to which the fair value has been less than the amortized cost of the security; (b)&#160;changes in
            the financial condition, credit rating, and near-term prospects of the issuer; (c)&#160;whether the issuer is current on contractually obligated interest and principal payments; (d)&#160;changes in the financial condition of the security&#8217;s underlying
            collateral, if any; and (e)&#160;the payment structure of the security. For loan-backed securities, the Company must allocate other-than-temporary impairments (OTTI) between interest and noninterest-related declines in fair value. Interest-related
            impairments are considered other than temporary when the Company has the intent to sell the investment prior to recovery of the cost of the investment. The Company maintains a prohibited disposal list that restricts the ability of the
            investment managers to sell securities in a significant unrealized loss position and requires formal attestations from investment managers regarding their lack of intent to sell certain securities. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Impairments considered to be other-than-temporary are
            recorded as a reduction of the cost of the security, and a corresponding realized loss is recognized on the Statutory Statements of Operations in the period in which the impairment is determined. Recognition of the realized loss is subject to
            potential offset by AVR and IMR. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Cash and Cash Equivalents</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Cash and cash equivalents may include cash on hand,
            demand deposits, money market funds, and highly liquid debt instruments purchased with an original maturity of three months or less. Due to the short-term nature of these investments, the carrying value is deemed to approximate fair value.</font></div>
        <div style="height:58.5pt;position:relative;width:100%">
          <div style="bottom:0;position:absolute;width:100%">
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                      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">12 of 42</font></div>
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              </table>
              <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
          </div>
        </div>
        <hr style="page-break-after:always">
        <div style="min-height:108pt;width:100%">
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          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="text-align:center"><br>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Policy Loans</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Policy loans are supported by the underlying cash value
            of the policies. Policy loans are carried at unpaid principal balances plus accrued interest income on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The unpaid principal balances are not in excess of the
            cash surrender values of the related policies.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Receivables for Securities</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Receivables and payables for securities are carried at
            fair value on the trade date and represent a timing difference on securities that are traded at the balance sheet date but not settled until subsequent to the balance sheet date. Receivables and payables for securities are included in
            Receivables for securities and Other liabilities, respectively, on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. </font></div>
        <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(k)&#160;&#160;&#160;&#160;Derivatives</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company utilizes derivatives within certain
            actively managed investment portfolios for hedging purposes.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Futures and Options Contracts</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company provides benefits through certain annuity
            products which are linked to the fluctuation of various market indices, and certain variable annuity contracts that provide minimum guaranteed benefits. The Company has analyzed the characteristics of these benefits and has entered into
            over-the-counter (OTC) option contracts and exchange-traded futures contracts tied to an underlying index with similar characteristics with the objective to economically hedge these benefits. Management monitors in-force amounts as well as
            option and futures contract values to ensure satisfactory matching and to identify unsatisfactory mismatches. If actual persistency deviated, management would purchase or sell option and futures contracts as deemed appropriate or take other
            actions. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The OTC option contracts are reported at fair value in
            Derivative assets and Derivative liabilities on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The fair value of the OTC options is derived internally and deemed by management to be reasonable via performing
            an IPV process. The process of deriving internal derivative prices requires the Company to calibrate Monte Carlo scenarios to actual market information. The calibrated scenarios are applied to derivative cash flow models to calculate fair value
            prices for the derivatives. Incremental gains and losses from expiring options are included in Net realized capital gain (loss) on the Statutory Statements of Operations. The liability for the related policyholder benefits is reported in Life
            policies and annuity contracts on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The unrealized gain or loss on open OTC option contracts is recognized as a direct adjustment to Unassigned surplus within the
            Statutory Statements of Capital and Surplus. Any unrealized gains or losses on open OTC option contracts are recognized as realized when the contracts mature (see Note&#160;5 for further discussion).</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Futures contracts do not require an initial cash
            outlay, and the Company has agreed to daily net settlement based on movements of the representative index. Therefore, no asset or liability is recorded as of the end of the reporting period. A derivative asset or liability and an offsetting
            variation margin payable or receivable is recorded in Derivative assets or Derivative liabilities in the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus for the outstanding unpaid variation margin representing
            market movements on the last trading day of the year. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Gains and losses are not considered realized until the
            termination or expiration of the futures contract. Unrealized gains and losses on futures contracts are reflected in the Statutory Statements of Capital and Surplus in Unassigned surplus, within Change in unrealized capital gains (loss).
            Realized gains and losses on futures contracts are included in the Statutory Statements of Operations, Net realized capital gain (loss), net of taxes and interest maintenance reserve.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><br>
        </div>
        <div style="height:58.5pt;position:relative;width:100%">
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                      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">13 of 42</font></div>
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              <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
          </div>
        </div>
        <hr style="page-break-after:always">
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          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="text-align:center"><br>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Total Return Swaps</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company utilizes total return swaps (TRS) also to
            economically hedge market risks embedded in certain annuities. TRS contracts are reported at fair value in Derivative assets or Derivative liabilities on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The
            fair value of the TRS is based on counterparty pricing and deemed by management to be reasonable. Changes in unrealized gains and losses on the swaps are recorded as a direct adjustment to Unassigned surplus within the Statutory Statements of
            Capital and Surplus. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:31.5pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(l)&#160;&#160;&#160;&#160;Income Taxes</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company files a consolidated federal income tax
            return with AZOA. The consolidated tax allocation agreement stipulates that each company participating in the return will bear its share of the tax liability pursuant to certain tax allocation elections under the Internal Revenue Code (IRC) and
            its related regulations and reimbursement will be in accordance with an intercompany tax reimbursement arrangement. The Company generally will be paid for the tax benefit of any of their tax attributes used by any member of the consolidated
            group.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company provides for federal income taxes based on
            amounts the Company believes it ultimately will owe. Inherent in the provision for federal income taxes are estimates regarding the deductibility of certain items and the realization of certain tax credits. In the event the ultimate
            deductibility of certain items or the realization of certain tax credits differs from estimates, the Company may be required to significantly change the provision for federal income taxes recorded in the Statutory Statements of Admitted Assets,
            Liabilities, and Capital and Surplus. Any such change could significantly affect the amounts reported in the Statutory Statements of Operations. Management uses best estimates to establish reserves based on current facts and circumstances
            regarding tax exposure items where the ultimate deductibility is open to interpretation. Quarterly, management evaluates the appropriateness of such reserves based on any new developments specific to their fact patterns. Information considered
            includes results of completed tax examinations, Technical Advice Memorandums, and other rulings issued by the Internal Revenue Service or the tax courts.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%"> </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company utilizes the asset and liability method of
            accounting for income taxes. DTAs and deferred tax liabilities (DTLs), net of the nonadmitted portion are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets
            and liabilities and their respective tax bases. Gross DTAs and DTLs are measured using enacted tax rates and are considered for admitted tax asset status according to the admissibility test as set forth by the state of New York. Changes in DTAs
            and DTLs, including changes attributable to changes in tax rates, are recognized as a component of Unassigned surplus on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-22.5pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(m)&#160;&#160;&#160;&#160;Separate Accounts</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Separate account assets and liabilities are primarily
            funds held for the exclusive benefit of variable and variable-indexed annuity contract holders. Separate account assets are reported at fair value in accordance with SSAP No.&#160;56 &#8211; </font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Separate Accounts</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;"> (SSAP No.&#160;56), with the
            exception of certain bonds, cash, cash equivalents, and investment income due and accrued. Certain assets that are allocated to the index options for the Allianz Index Advantage New York Variable Annuity (VIA), as listed above, are carried at
            amortized cost in accordance with the product filing requirements in the state of New York.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Amounts due from separate accounts primarily represent
            the difference between the surrender value of the contracts and the Separate account liability as disclosed on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. This receivable represents the surrender fee that
            would be paid to the Company upon the surrender of the policy or contract by the policyholder or contract holder as of December&#160;31. Amounts charged to the contract holders for mortality and contract maintenance, and other administrative
            services fees are included in income within Fees from separate accounts on the Statutory Statements of Operations. These fees have been earned and assessed against contract holders on a daily or monthly basis throughout the contract period and
            are recognized as revenue when assessed and earned. Transfers to separate accounts within the Statutory Statements of Operations primarily includes transfers for </font></div>
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          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="text-align:center"><br>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
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        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">new premium and annuity considerations, benefit
            payments, surrender charge wear-off, realized and unrealized investment gains/losses, investment income, and other contractholder behavior.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-22.5pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(n)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">Receivables</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Receivable balances approximate estimated fair values.
            This is based on pertinent information available to management as of year-end, including the financial condition and creditworthiness of the parties underlying the receivables. Any balances outstanding more than 90&#160;days are nonadmitted on the
            Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. </font></div>
        <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-22.5pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(o)&#160;&#160;&#160;&#160;Reclassifications</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Prior year balances have not been reclassified to
            conform to the current year presentation. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">(3)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Accounting Changes and Corrections of Errors</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Accounting Changes</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">Recently Issued Accounting Standards &#8211; Adopted</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:120%"> in </font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">2022</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Not applicable.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">Recently Issued Accounting
            Standards &#8211; Adopted in 2021</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">In 2021, the NAIC extended the following
            interpretations (INT) in response to the COVID-19 pandemic:</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">INT 20-03, Troubled Debt Restructuring due to COVID-19. This INT followed the interagency COVID-19 guidance issued by federal and state
            prudential banking regulators (and concurred by the FASB) and the Coronavirus Aid, Relief, and Economic Security (CARES) Act. Specifically, a modification of a mortgage loan or bank loan terms did not result in troubled debt restructurings as
            long as the modification was in response to COVID-19, the borrower was current at the time of the modification, and the modification was short-term. In addition, insurers were not required to designate mortgage loans or bank loans with
            deferrals granted due to COVID-19 as past due or report them as nonaccrual loans. This INT was effective for the period beginning March 1, 2020 and originally expired on December 31, 2020. In January 2021, the provisions in this INT were
            extended updating the effective period to be the earlier of January 1, 2022 or the date that is 60 days after the date on which the national emergency declared by the President terminates. This INT did not impact the Company.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">INT 20-07, Troubled Debt Restructuring of Certain Debt Investments Due to COVID-19. This INT provided temporary guidance by allowing
            practical expedients when assessing whether modifications made to debt securities (under SSAP 26R and 43R) due to COVID-19 are insignificant. Specifically, the guidance proposed restructurings in response to COVID-19 are considered to be
            insignificant if the restructuring resulted in a 10% or less shortfall amount in the contractual amount due and did not extend the maturity of the investment by more than 3 years. This INT was effective for the period beginning March 1, 2020
            and originally expired on December 31, 2020. In January 2021, the provisions in this INT were extended updating the effective period to be the earlier of January 1, 2022 or the date that is 60 days after the date on which the national emergency
            declared by the President terminates. This INT did not impact the Company.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">In 2016, the NAIC adopted revisions to SSAP No. 51R,
            Life Contracts and SSAP No. 54, Individual and Group Accident and Health Contracts, Issue Paper No. 154, Implementation of Principles-Based Reserving. These revisions relate to the adoption of the Valuation Manual and provides for principles
            based reserving for Life and Heath contracts. The Valuation Manual is part of the Department Regulation 213. Final adoption of the First Amendment to Regulation 213 was published February 2020 and provides the following revisions: 1) VM-20,
            Requirements for Principle-Based Reserves for Life Products, is effective January 1, 2020. However, an insurer could request a one-year delay in adopting this standard. The Company adopted Regulation 213 for life products as of January 1, 2021
            for new business issued January 1, 2021 and later, in accordance with its agreement with the Department. The adoption resulted in an immaterial impact. 2) VM-21, Requirements for Principle-Based Reserves for Variable </font></div>
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          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
          <div style="margin-bottom:3pt;text-align:center"><br>
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        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Annuities was adopted in 2020. 3) VM-22, Statutory
            Maximum Valuation Interest Rates for Income Annuities, VM-25, Health Insurance Reserves Minimum Requirements, and VM-26, Credit Life and Disability Reserve Requirements, are not applicable as the Company does not issue these contracts.&#160;</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">Recently Issued Accounting
            Standards &#8211; Adopted in 2020</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">In 2019, the NAIC adopted revisions to both Actuarial
            Guideline 43 and VM-21, effective January 1, 2020. The implementation of the Regulation 213 revisions as of January 1, 2020 resulted in no change in reserves. The portion of the Standard reserve that was impacted with the implementation of
            Regulation 213 did not exceed the offsetting hedge component within the calculation after the changes, resulting in no impact to the reported reserve. The 2019 amendments to VM-21 allow an optional phase-in of the increase which the Company did
            not elect. 3) VM-22, Statutory Maximum Valuation Interest Rates for Income Annuities, VM-25, Health Insurance Reserves Minimum Requirements, and VM-26, Credit Life and Disability Reserve Requirements, are not applicable as the Company does not
            issue these contracts.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">In August 2019, the NAIC adopted SSAP No. 22R, Leases.
            This revised standard is a substantive revision, reorganization, and clarification of SSAP 22. It adopts much of the language of US GAAP Accounting Standards Update (ASU) 2016-02, Leases, but retains operating lease accounting for Statutory
            accounting. It was effective January 1, 2020, with early adoption permitted. The Company adopted these revisions effective January 1, 2020. There was no impact on net income or surplus during the year ended December 31, 2020, as a result of
            adopting the revisions.&#160;&#160;&#160;&#160;</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">In March 2020, the NAIC adopted INT 20-01, Reference
            Rate Reform. The interpretation adopted the optional guidance outlined in ASU 2020-04, Reference Rate Reform, for a limited period of time to ease the potential burden on accounting for reference rate reform. The practical expedients outlined
            in the interpretation are for modifications solely related to reference rate reform and optionally suspends assessments for re-measuring a contract and de-designating a hedge relationship. This interpretation is effective on the date of
            adoption and expires on December 31, 2022. The Company adopted the optional guidance in this interpretation effective March 12, 2020. As of December 31, 2020, the Company has not made any modifications to financial assets or liabilities as a
            result of reference rate reform.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">In April, May, June, and August 2020, the NAIC adopted
            and extended, the following interpretations (INT) in response to the COVID-19 pandemic: </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">INT 2020-02, Extension of 90-Day Rule for the Impact of COVID-19. This INT extends a one-time optional extension of the nonadmission
            assessment guidance for premiums and similar receivables due from policyholders or agents. For receivables that were current prior to the beginning of the declaration of a state of emergency by the U.S. federal government on March 13, 2020 or
            originated on or after March 13, 2020, insurers may continue to admit assets greater than 90 days past due. This INT is applicable for the March 31, 2020, June 30, 2020, and September 30, 2020 financial statements and expired on December 30,
            2020. This INT did not have a material impact to the Company.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">INT 2020-03, Troubled Debt Restructuring Due to COVID-19. This INT follows the interagency COVID-19 guidance issued by federal and state
            prudential banking regulators (and concurred by the FASB) and the Coronavirus Aid, Relief, and Economic Security (CARES) Act. Specifically, a modification of a mortgage loan or bank loan terms do not result in troubled debt restructurings as
            long as the modification is in response to COVID-19, the borrower was current at the time of the modification, and the modification is short-term. In addition, insurers are not required to designate mortgage loans or bank loans with deferrals
            granted due to COVID-19 as past due or report them as nonaccrual loans. This INT was effective for the period beginning March 1, 2020 and originally expired on December 31, 2020. In January 2021, the provisions in this INT were extended
            updating the effective period to be the earlier of January 1, 2022 or the date that is 60 days after the date on which the national emergency declared by the President terminates. This INT did not have a material impact to the Company.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">INT 2020-04, Mortgage Loan Impairment Assessment Due to COVID-19. This INT defers the impairment assessment for bank loans, mortgage loans,
            and investments which predominantly hold underlying </font></div>
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          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
          <div style="margin-bottom:3pt;text-align:center"><br>
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          <div style="text-align:center"><br>
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          <div style="margin-bottom:6pt;margin-top:6pt"><br>
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        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">mortgage loans and are impacted by forbearance or
            modifications in response to COVID-19. This INT is applicable for the March 31, 2020, June 30, 2020, and September 30, 2020 financial statements and expired on December 30, 2020. This INT did not have a material impact to the Company.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">INT 2020-05, Investment Income Due and Accrued. This INT provides temporary relief guidance for assessing the collectability of interest
            income, admissibility relief of accrued investment income 90 days past due, and clarifies how interest income should be recognized during a payment holiday. This INT is applicable for the June 30, 2020, and September 30, 2020 financial
            statements and expired on December 30, 2020. This INT did not have did not have a material impact to the Company.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">INT 2020-06, Participation in the 2020 TALF Program. This INT provides guidance for reporting Term Asset-Backed Securities Lending Facility
            (TALF) loans for the duration of the 2020 TALF program. This INT did not impact the Company as the Company did not participate in this program.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">INT 2020-07, Troubled Debt Restructuring of Certain Debt Investments Due to COVID-19. This INT provides temporary guidance by allowing
            practical expedients when assessing whether modifications made to debt securities (under SSAP No. 26R and SSAP No. 43R) due to COVID-19 are insignificant. Specifically, the guidance proposes restructurings in response to COVID-19 are considered
            to be insignificant if the restructuring results in a 10% or less shortfall amount in the contractual amount due and does not extend the maturity of the investment by more than 3 years. This INT was effective for the period beginning March 1,
            2020 and originally expired on December 31, 2020. In January 2021, the provisions in this INT were extended updating the effective period to be the earlier of January 1, 2022 or the date that is 60 days after the date on which the national
            emergency declared by the President terminates. This INT did not have a material impact to the Company. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">INT 2020-08, COVID-19 Premium Refunds, Rate Reductions and Policyholder Dividends. This INT provides guidance for returns or benefits to
            policyholders. This INT did not impact the Company.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">These INTs have an immaterial effect on the financial
            statements as of December 31, 2020. The Company will continue to monitor these INTs and assess impacts until they are nullified.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">In May 2020, the NAIC adopted revisions to SSAP No.
            26R, Bonds, which provides clarifying guidance when assessing other than temporary impairments (OTTI) for debt instruments that have been previously modified pursuant to SSAP No. 36, Troubled Debt Restructuring, or SSAP No. 103R, Transfers and
            Servicing of Financial Assets and Extinguishments of Liabilities. The revisions to SSAP No. 26R state subsequent OTTI assessments for debt instruments modified under SSAP No. 36 or SSAP No 103 will be based on the modified contractual terms and
            not revert back to the original acquisition terms. These revisions were effective May 20, 2020 and were subsequently adopted by the Company. There was no impact on net income or surplus during the year ended December 31, 2020, as a result of
            adopting the revisions.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">In November 2020, the NAIC adopted revisions to SSAP
            No. 43R, Loan-Backed and Structured Securities. The revisions reflect the updated NAIC designation category for residential and commercial mortgage-backed securities that utilize the financial modeling guidance. The revisions were effective
            November 12, 2020 and was subsequently adopted by the Company. There was no impact on net income or surplus during the year ended December 31, 2020, as a result of adopting the revisions</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">Recently Issued Accounting
            Standards &#8211; To Be Adopted</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Not applicable</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">Corrections of Errors </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company records corrections of errors in accordance
            with SSAP No.&#160;3 &#8211; </font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Accounting Changes and Correction of Errors</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;"> (SSAP No. 3). SSAP No.&#160;3 prescribes that the correction of errors in previously issued Statutory Financial Statements will be reported as an adjustment to capital
            and surplus in the period the error is detected. These errors are shown within correction of errors, net of tax, on the Statutory Statements of Capital and Surplus.</font></div>
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          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
          <div style="margin-bottom:3pt;text-align:center"><br>
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          <div style="text-align:center"><br>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
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        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">During the years ended December 31, 2022, 2021, and
            2020 there were no corrections of errors recorded on the Statutory Statements of Capital and Surplus.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;"> (4)&#160;&#160;&#160;&#160;Risk Disclosures</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The following is a description of the significant risks
            facing the Company and how it attempts to mitigate those risks: </font></div>
        <div style="margin-bottom:6pt;padding-left:27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(a)&#160;&#160;&#160;&#160;Credit Risk</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Credit risk is the risk that issuers of fixed-income
            securities, or other parties with whom the Company has transactions, such as reinsurers and derivative counterparties, default on their contractual obligations, resulting in unexpected credit losses. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company mitigates this risk by adhering to
            investment policies and limits that provide portfolio diversification on an asset class, asset quality, creditor, and geographical basis, and by complying with investment limitations from applicable state insurance laws and regulations. The
            Company considers all relevant objective information available in estimating the cash flows related to structured securities. The Company actively monitors and manages exposures, and determines whether any securities are impaired. The aggregate
            credit risk is influenced by management&#8217;s risk/return preferences, the economic and credit environment, and the ability to manage this risk through liability portfolio management.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">For derivative counterparties, the Company mitigates
            credit risk by tracking and limiting exposure to each counterparty through limits that are reported regularly and, once breached, restricts further trades; establishing relationships with counterparties rated BBB+ and higher; and monitoring the
            credit default swaps (CDS) of each counterparty as an early warning signal to cease trading when credit default swap spreads imply severe impairment in credit quality.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company executes Credit Support Annexes (CSA) with
            all active and new counterparties which further limits credit risk by requiring counterparties to post collateral to a segregated account to cover any counterparty exposure. Additionally most transactions are cleared through a clearinghouse
            thereby transferring counterparty risk from the bank to the clearinghouse that tends to have stronger credit. This often leads to increased collateralization and lower counterparty risk for the Company.</font></div>
        <div style="margin-bottom:6pt;padding-left:27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(b)&#160;&#160;&#160;&#160;Credit Concentration Risk</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Credit concentration risk is the risk of increased
            exposure to significant asset defaults (of a single security issuer); economic conditions (if business is concentrated in a certain industry sector or geographic area); or adverse regulatory or court decisions (if concentrated in a single
            jurisdiction) affecting credit.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company&#8217;s Finance Committee, responsible for
            asset/liability management (ALM) issues, recommends an investment policy to the Company&#8217;s Board of Directors (BOD) and approves the strategic asset allocation and accompanying investment mandates for an asset manager with respect to asset
            class. The investment policy and accompanying investment mandates specify asset allocation among major asset classes and the degree of asset manager flexibility for each asset class. The investment policy complies, at a minimum, with state
            statutes. Compliance with the policy is monitored by the Finance Committee who is responsible for implementing internal controls and procedures. Deviations from the policy are monitored and addressed. The Finance Committee and, subsequently,
            the BOD review the investment policy at least annually. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">To further mitigate this risk, internal concentration
            limits based on credit rating and sector are established and are monitored regularly by Allianz Life on a consolidated basis. Any ultimate obligor group exceeding these limits is placed on a restricted list to prevent further purchases, and the
            excess exposure may be actively sold down to comply with concentration limit guidelines. Any exceptions require Chief Risk Officer approval and monitoring by the Risk Committee. Further, the Company performs a quarterly concentration risk
            calculation to ensure compliance with the State of New York basket clause.</font></div>
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          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
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          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
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        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(c)&#160;&#160;&#160;&#160;Liquidity Risk</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Liquidity risk is the risk that unexpected timing or
            amounts of cash needed will require liquidation of assets in a market that will result in a realized loss or an inability to sell certain classes of assets such that an insurer will be unable to meet its obligations and contractual guarantees.
            Liquidity risk also includes the risk that in the event of a company liquidity crisis, refinancing is only possible at higher interest rates. Liquidity risk can be affected by the maturity of liabilities, the presence of withdrawal penalties,
            the breadth of funding sources, and terms of funding sources. It can also be affected by counterparty collateral triggers as well as whether anticipated liquidity sources, such as credit agreements, are cancelable. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company manages liquidity within four specific
            domains: (1) monitoring product development, product management, business operations, and the investment portfolio; (2) setting ALM strategies; (3) managing the cash requirements stemming from the Company&#8217;s derivative dynamic economic hedging
            activities; and (4) establishing a liquidity facility with Allianz Life to provide additional liquidity. The Company has established liquidity risk limits, which are approved by the Company&#8217;s Risk Committee, and the Company monitors its
            liquidity risk regularly.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(d)&#160;&#160;&#160;&#160;Interest Rate Risk</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Interest rate risk is the risk that movements in
            interest rates or interest rate volatility will cause a decrease in the value of an insurer&#8217;s assets relative to the value of its liabilities and/or an unfavorable change in prepayment activity resulting in compressed interest margins.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company has an ALM strategy to align cash flows and
            duration of the investment portfolio with policyholder liability cash flows and duration. Allianz Life monitors the economic and accounting impacts of interest rate sensitivities on assets and liabilities on a consolidated basis regularly and
            on the Company's specific basis periodically.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(e)&#160;&#160;&#160;&#160;Equity Market Risk</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Equity market risk is the risk that movements in equity
            prices or equity volatility will cause a decrease in the value of an insurer&#8217;s assets relative to the value of its liabilities. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Variable annuity products guarantee minimum payments
            regardless of market movements. The Company has adopted an economic hedging program to manage the equity risk of these products. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Allianz Life monitors the impacts of equity
            sensitivities on assets and liabilities on a consolidated basis regularly and on the Company&#8217;s specific basis periodically.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Basis risk is the risk that variable annuity hedge
            asset values change unexpectedly relative to the value of the underlying separate account funds of the variable annuity contracts. Basis risk may arise from the Company&#8217;s inability to directly hedge the underlying investment options of the
            variable annuity contracts. The Company regularly reviews and synchronizes fund mappings, product design features, hedge design, and manages funds line-up.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(f)&#160;&#160;&#160;&#160;Operational

            Risk</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Operational risk is the risk of loss resulting from
            inadequate or failed internal processes and systems, from human misbehavior or error, or from external events. Operational risk is comprised of the following seven risk categories: (1) external fraud; (2) internal fraud; (3) employment
            practices and workplace safety; (4) clients/third-party, products and business practices; (5) damage to physical assets; (6) business disruption and system failure; and (7) execution, delivery, and process management. Operational risk is
            comprehensively managed through a combination of core qualitative and quantitative activities. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Operational Risk Management framework includes the
            following key activities: (1) an Operational Risk Capital Model covering all material types of operational risks, under which the Company quantifies and regularly monitors operational risk; (2) a loss data capture policy to create transparency
            and gather information about losses that meet a designated threshold, requiring business owners to identify and resolve the root cause </font></div>
        <div style="height:58.5pt;position:relative;width:100%">
          <div style="bottom:0;position:absolute;width:100%">
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
              <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%" id="z8edc16cfbecd49bba30994408fd7f467">

                  <tr>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.234%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                  </tr>
                  <tr>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                    <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom">
                      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19 of 42</font></div>
                      <div><br>
                      </div>
                    </td>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                  </tr>

              </table>
              <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
          </div>
        </div>
        <hr style="page-break-after:always">
        <div style="min-height:108pt;width:100%">
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="text-align:center"><br>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">of operational loss events; and (3) a bottom-up risk
            assessment process for significant operational risk scenarios to proactively manage significant operational risk scenarios throughout the organization. </font></div>
        <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(g)&#160;&#160;&#160;&#160;Regulatory Change Risk</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Regulatory change risk is the risk that regulatory
            changes and imposed regulation may materially impact the Company's business model, sales levels, company financials and ability to effectively comply with regulations. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company actively monitors all regulatory changes
            and participates in national and international discussions relating to legal, regulatory, and accounting changes. The Company maintains active membership with various professional and industry trade organizations. A formal process exists to
            review, analyze, and implement new legislation as it is enacted. </font></div>
        <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(h)&#160;&#160;&#160;&#160;Rating Agency Risk</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Rating agency risk is the risk that rating agencies
            change their outlook or rating of the Company. The rating agencies generally utilize proprietary capital adequacy models in the process of establishing ratings for the Company. The Company is at risk of changes in these models and the impact
            that changes in the underlying business that it is engaged in can have on such models. To mitigate this risk, the Company maintains regular communications with the rating agencies and evaluates the impact of significant transactions on such
            capital adequacy models and considers the same in the design of transactions to minimize the adverse impact of this risk. Rating agency risk is also addressed in the TRA process and on an ad hoc basis as necessary.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(i)&#160;&#160;&#160;&#160;Mortality/Longevity Risk</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Mortality/longevity risk is the risk that mortality
            experience is different than the life expectancy assumptions used by the Company to price its products. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company mitigates mortality risk primarily through
            reinsurance, whereby the Company cedes a significant portion of its mortality risk to third parties. The Company also manages mortality risk through the underwriting process. Both mortality and longevity risks are managed through the review of
            life expectancy assumptions and experience in conjunction with active product management. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(j)&#160;&#160;&#160;&#160;Lapse Risk</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Lapse risk is the risk that actual lapse experience
            evolves differently than the assumptions used for pricing and valuation exercises leading to a significant loss in Company value and/or income. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company mitigates this risk by performing
            sensitivity analysis at the time of pricing to affect product design, adding Market Value Adjustments and surrender charges when appropriate, regular ALM analysis, and exercising management levers at issue, as well as post-issue as experience
            evolves. Policyholder experience is monitored regularly.</font></div>
        <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(k)&#160;&#160;&#160;&#160;Cyber Security Risk</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Cyber security risk is the risk of losses due to
            external and/or internal attacks impacting the confidentiality, integrity, and/or availability of key systems, data, and processes reliant on digital technology. The Company has implemented preventative, detective, response, and recovery
            measures including firewalls, intrusion detection and prevention, advanced malware detection, spyware and anti-virus software, email protection, network and laptop encryption, web content filtering, web application firewalls, and regular
            scanning of all servers and network devices to identify vulnerabilities. Controls are implemented to prevent and review unauthorized access. </font></div>
        <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(l)&#160;&#160;&#160;&#160;Reinsurance Risk</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Reinsurance risk is the risk that reinsurance companies
            default on their obligation where the Company has ceded a portion of its insurance risk. The Company uses reinsurance to limit its risk exposure to certain business lines and to enable better capital management. </font></div>
        <div style="height:58.5pt;position:relative;width:100%">
          <div style="bottom:0;position:absolute;width:100%">
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
              <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%" id="zca4bc893f09d4d2c902cb227dfe955d7">

                  <tr>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.234%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                  </tr>
                  <tr>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                    <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom">
                      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">20 of 42</font></div>
                      <div><br>
                      </div>
                    </td>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                  </tr>

              </table>
              <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
          </div>
        </div>
        <hr style="page-break-after:always">
        <div style="min-height:108pt;width:100%">
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="text-align:center"><br>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Reinsurance contracts do not relieve the Company from
            its obligations to policyholders. Failure of reinsurers to honor their obligations could result in losses to the Company. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company mitigates this risk by requiring certain
            counterparties to post collateral to cover the exposure and to meet thresholds related to the counterparty&#8217;s credit rating, exposure, or other factors. For counterparties that are not initially required to post collateral, if the thresholds are
            not met by those counterparties, they are required to establish a trust or letter of credit backed by assets meeting certain quality criteria. All arrangements are regularly monitored to determine whether trusts or letters of credit are
            sufficient to support the ceded liabilities and that their terms are being met. In addition, the Company reviews the financial standings and ratings of its reinsurance counterparties and monitors concentrations of credit risk to minimize its
            exposure to significant losses from reinsurer insolvencies regularly.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">(5)&#160;&#160;&#160;&#160;Investments</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(a)&#160;&#160;&#160;&#160;Bonds and Other Assets
            Receiving Bond Treatment</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">At December&#160;31, the amortized cost, gross unrealized
            gains, gross unrealized losses, and fair values of investments are shown below: &#160;&#160;&#160;&#160;</font></div>
        <div style="margin-top:5pt;padding-left:54pt;text-align:justify">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.189%" id="z3d5df4a7cf464b8cb9af47675ce39500">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:38.630%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.641%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:13.041%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.641%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:13.209%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.641%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:13.041%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.641%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:13.215%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized cost</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Gross unrealized gains</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Gross unrealized losses</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Fair value</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Bonds:</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">U.S.
                    government</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">192,732&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">12,000&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">180,732&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">States
                    and political subdivisions</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,788&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">22&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">776&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,034&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Corporate

                    securities</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">340,514&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,477&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">37,920&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">305,071&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Mortgage-backed

                    securities</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">107,388&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10,707&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">96,690&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 48.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">647,422&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,507&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">61,403&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">588,527&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>

          </table>
        </div>
        <div style="padding-left:54pt;text-align:justify">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.189%" id="z46f73654a6ec40008087fb48476b6259">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:38.630%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.641%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:13.041%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.641%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:13.209%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.641%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:13.041%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.641%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:13.215%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized cost</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Gross unrealized gains</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Gross unrealized losses</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Fair value</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Bonds:</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">U.S.
                    government</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">78,869&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">864&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,274&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">78,459&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">States
                    and political subdivisions</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,921&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">975&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,896&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Corporate

                    securities</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">372,767&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">34,113&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,954&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">404,926&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Mortgage-backed

                    securities</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">121,557&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,598&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">954&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">125,201&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 48.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">580,114&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">40,550&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,182&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">616,482&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>

          </table>
        </div>
        <div style="margin-bottom:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">At December&#160;31, 2022 and 2021, the Company did not have NAIC-6 rated
            bonds. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">At December&#160;31, 2022 and 2021, the Company did not have
            any hybrid securities. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">As of December&#160;31, 2022 and 2021, investments with an
            amortized cost of $1,651 and $1,656, respectively were held on deposit as required by statutory regulations. </font></div>
        <div style="height:58.5pt;position:relative;width:100%">
          <div style="bottom:0;position:absolute;width:100%">
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
              <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%" id="z330566dee4ad4b03b8ed4b9e3041c8d1">

                  <tr>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.234%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                  </tr>
                  <tr>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                    <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom">
                      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">21 of 42</font></div>
                      <div><br>
                      </div>
                    </td>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                  </tr>

              </table>
              <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
          </div>
        </div>
        <hr style="page-break-after:always">
        <div style="min-height:108pt;width:100%">
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="text-align:center"><br>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The amortized cost and fair value of bonds and other
            assets receiving bond treatment reported in the statutory Annual Statement Schedule D Part 1A at December&#160;31, 2022, by contractual maturity, are shown below:</font></div>
        <div style="margin-top:5pt;padding-left:54pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.888%" id="z449d5c2bce234fcca9a9b0f09958e866">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:57.683%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.644%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:18.663%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.644%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:18.666%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized cost</font></td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Fair value</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Due in 1 year or
                    less</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">34,283&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">33,931&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Due after 1 year
                    through 5 years</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">218,802&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">208,543&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Due after 5 years
                    through 10 years</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">188,050&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">157,483&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Due after 10 years
                    through 20 years</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">73,072&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">70,673&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Due after 20 years</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">25,827&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">21,207&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Loan-backed and
                    other structured securities</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">107,388&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">96,690&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total

                    bonds and other assets receiving bond treatment</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">647,422&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">588,527&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>

          </table>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Expected maturities will differ from contractual
            maturities, because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Proceeds from sales of bonds includes sales,
            maturities, paydowns, and other redemptions of bonds and other assets receiving bond treatment. Proceeds from sales of bonds for the years ended December 31 are shown below: </font></div>
        <div style="margin-top:5pt;padding-left:54pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.039%" id="zd5ca1198364d4246b47c27063734a618">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:50.333%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.643%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:14.245%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.643%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:14.245%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.643%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:14.248%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Proceeds from sales</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">97,922&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">82,882&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">152,052&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Gross gains</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">152&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">82&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,883&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Gross losses</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">335&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">80&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">297&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>

          </table>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">For the years ended December&#160;31, 2022 and 2021, there
            were 13 and 9 CUSIPs sold, disposed, or otherwise redeemed as a result of a callable feature, respectively. The aggregate amount of investment income generated as a result of these transactions was $642 and $1,027 for 2022 and 2021,
            respectively.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company&#8217;s bond portfolio includes mortgage-backed
            securities. Due to the high quality of these investments and the lack of subprime loans within the securities, the Company does not have a material exposure to subprime mortgages.</font></div>
        <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(b)&#160;&#160;&#160;&#160;Unrealized Investment Losses</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">To determine whether or not declines in fair value are
            other than temporary, Allianz Life performs a quarterly review of its entire combined investment portfolio, including the Company as their subsidiary, using quoted market prices by third-party sources. For further discussion, see Notes 2 and 6.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Unrealized losses and the related fair value of
            investments held by the Company for the years ended December 31 are shown below: </font></div>
        <div style="margin-top:5pt;padding-left:54pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.888%" id="z285860670c6646ad871be46536c1f960">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:29.812%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:9.710%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.644%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:9.710%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.644%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:9.710%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.644%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:9.710%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.644%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:9.710%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.644%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:9.718%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="33" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="9" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">12 months or less</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="9" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Greater than 12 months</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="9" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Fair value</font></td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Unrealized losses</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Fair value</font></td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Unrealized losses</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Fair value</font></td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Unrealized losses</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Bonds:</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">U.S.
                    government</font></td>
                <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">149,836&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,654&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">30,896&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,346&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">180,732&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,000&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">States
                    and political subdivisions</font></td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,088&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">776&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,088&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">776&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Corporate
                    securities</font></td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">197,026&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,189&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">56,543&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,731&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">253,569&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">37,920&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Mortgage-backed

                    securities</font></td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">78,483&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,516&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17,776&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,191&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">96,259&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,707&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total
                    temporarily impaired securities</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">430,433&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">36,135&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">105,215&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">25,268&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">535,648&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">61,403&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>

          </table>
        </div>
        <div style="height:58.5pt;position:relative;width:100%">
          <div style="bottom:0;position:absolute;width:100%">
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
              <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%" id="z4dad98a4686745f89aef32b02862f0ef">

                  <tr>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.234%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                  </tr>
                  <tr>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                    <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom">
                      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">22 of 42</font></div>
                      <div><br>
                      </div>
                    </td>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                  </tr>

              </table>
              <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
          </div>
        </div>
        <hr style="page-break-after:always">
        <div style="min-height:108pt;width:100%">
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="text-align:center"><br>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
        </div>
        <div style="padding-left:54pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.888%" id="zf9daf9755d2f41708318f7f31414119f">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:29.812%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:9.710%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.644%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:9.710%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.644%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:9.710%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.644%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:9.710%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.644%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:9.710%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.644%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:9.718%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="33" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="9" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">12 months or less</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="9" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Greater than 12 months</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="9" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Fair value</font></td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Unrealized losses</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Fair value</font></td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Unrealized losses</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Fair value</font></td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Unrealized losses</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Bonds:</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">U.S.
                    government</font></td>
                <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,972&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">71&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,058&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,203&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">34,030&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,274&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Corporate
                    securities</font></td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">71,212&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,954&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">71,212&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,954&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Mortgage-backed

                    securities</font></td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,502&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">954&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,502&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">954&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total
                    temporarily impaired securities</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">109,686&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,979&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,058&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,203&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">128,744&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,182&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>

          </table>
        </div>
        <div style="margin-bottom:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">As of December&#160;31, 2022 and 2021, the number of bonds that were in an
            unrealized loss position was 225 and 45, respectively.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">As of December&#160;31, 2022 and 2021, of the total amount
            of unrealized losses, $61,245, or 99.7%, and $4,174, or 99.8%, respectively, are related to unrealized losses on investment grade securities. Investment grade is defined as a security having an NAIC SVO credit rating of 1 or 2. Unrealized
            losses on securities are principally related to changes in interest rates or changes in sector spreads from the date of purchase. As contractual payments continue to be met, management continues to expect all contractual cash flows to be
            received and does not consider these investments to be other-than-temporarily impaired. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(c)&#160;&#160;&#160;&#160;Realized Investment Gains
            (Losses)</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Net realized capital gains (losses) for the years ended
            December&#160;31 are shown below: </font></div>
        <div style="margin-top:5pt;padding-left:54pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.738%" id="z81dae678f48e428491f6e6b7be67282c">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:53.214%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.646%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:13.959%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.646%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:13.282%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.646%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:12.607%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Bonds</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(722)</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">101&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Derivatives</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">23,057&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(60,008)</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(40,495)</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(25)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">64&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">45&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                    realized capital gains (losses)</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">22,310&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(59,942)</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(40,349)</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Income tax benefit
                    (expense) on net realized gains (losses)</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">38&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(20)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(652)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                    realized capital gains (losses), net of taxes</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">22,348&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(59,962)</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(41,001)</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net (losses) gains
                    transferred to IMR, net of taxes</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(290)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(5)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">219&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net
                    realized gains (losses), net of taxes and IMR</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">22,638&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(59,957)</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(41,220)</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>

          </table>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(d)&#160;&#160;&#160;&#160;Net Investment Income</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Major categories of net investment income for the years
            ended December&#160;31 are shown below:</font></div>
        <div style="margin-top:5pt;padding-left:54pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:90.540%" id="z39e79fcc94214098b389208a546f29bd">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:53.294%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.629%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:13.659%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.629%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:12.830%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.629%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:13.330%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Interest:</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Bonds</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">20,464&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19,345&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">20,529&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Policy
                    loans</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">9&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cash,
                    cash equivalents, and short-term investments</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">553&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">245&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Derivatives</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(11)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">72&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">119&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">59&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Gross
                    investment income</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">21,097&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19,472&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">20,831&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Investment expenses</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(971)</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,579)</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,239)</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 34.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net
                    investment income before amortization of IMR</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">20,126&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">17,893&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19,592&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Amortization of IMR</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(2,026)</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,716)</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,564)</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net
                    investment income</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">18,100&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,177&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">18,028&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>

          </table>
        </div>
        <div style="height:58.5pt;position:relative;width:100%">
          <div style="bottom:0;position:absolute;width:100%">
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
              <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%" id="zcad4764113c74635a0c68d14210e94d2">

                  <tr>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.234%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                  </tr>
                  <tr>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                    <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom">
                      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">23 of 42</font></div>
                      <div><br>
                      </div>
                    </td>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                  </tr>

              </table>
              <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
          </div>
        </div>
        <hr style="page-break-after:always">
        <div style="min-height:108pt;width:100%">
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="text-align:center"><br>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(e)&#160;&#160;&#160;&#160;Loan-Backed Securities</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">SSAP No.&#160;43R requires the bifurcation of impairment
            losses on loan-backed or structured securities into interest and noninterest-related portions. The noninterest portion is the difference between the present value of cash flows expected to be collected from the security and the amortized cost
            basis of the security. The interest portion is the difference between the present value of cash flows expected to be collected from the security and its fair value at the balance sheet date.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company had no loan-backed securities with a
            recognized OTTI for the years ended December&#160;31, 2022 and 2021.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(f)&#160;&#160;&#160;&#160;Derivatives and Hedging
            Instruments </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company does not have derivative contracts with
            financing premium. Derivatives held by the Company do not qualify for hedge accounting treatment. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Futures and Options Contracts</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">OTC options are cleared through the Options Clearing
            Corporation, which operates under the jurisdiction of both the Securities and Exchange Commission (SEC) and the Commodities Futures Trading Commission. The fair values of the collateral posted for futures and OTC options are discussed in the
            derivative collateral management section below. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Total Return Swaps</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company engages in the use of OTC TRS, </font><font style="background-color: #ffffff; color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">which allow the parties to exchange cash flows based on a variable reference rate such as the three-month SOFR
            and the return of an underlying index. </font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The fair value of the collateral posted for OTC TRS is discussed in the derivative
            collateral management section below.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The following table presents a summary of the aggregate
            notional amounts and fair values of the Company&#8217;s derivative instruments reported on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus as of December 31: </font></div>
        <div style="margin-top:5pt;padding-left:54pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.039%" id="z15068b936702438d901d1238fc8a0692">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:26.050%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.643%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:10.198%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.643%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:10.198%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.643%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:10.198%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.643%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:10.198%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.643%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:10.198%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.643%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:10.202%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="15" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</font></td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="15" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="9" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Fair Value</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="9" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Fair Value</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Notional </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</font></div>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Assets</font></td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Liabilities</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Notional </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</font></div>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Assets</font></td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Liabilities</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">OTC options</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,006&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">700&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Futures</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">302,305&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">200,470&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">TRS</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,000&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 22pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total
                    derivative instruments</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">700&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr style="height:11pt">
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="39" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> Notional amounts are presented on an absolute basis.</font></div>
                </td>
              </tr>

          </table>
        </div>
        <div style="margin-top:3pt;padding-left:54pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Derivative Collateral Management</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company manages derivative collateral for the
            general account and separate account combined. Additionally, said derivative collateral is managed separately between exchange-traded and OTC derivatives. The total collateral posted for exchange-traded derivatives at December&#160;31, 2022 and
            2021, had a fair value of $26,302 and $29,931, respectively, and is included in Bonds on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus and recorded at amortized cost. The Company retains ownership of the
            exchange-traded collateral, but the collateral resides in an account designated by the exchange. The collateral is subject to specific exchange rules regarding rehypothecation. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(g)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">Offsetting
            Assets and Liabilities</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company elects to disclose derivative assets and
            liabilities eligible for offset under SSAP No.&#160;64 &#8211; </font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Offsetting and Netting of Assets and Liabilities</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;"> on a gross basis on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus in accordance with the provisions set
            forth in SSAP No.&#160;86. This treatment is consistent with the Company&#8217;s historical reporting presentation.</font></div>
        <div style="height:58.5pt;position:relative;width:100%">
          <div style="bottom:0;position:absolute;width:100%">
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
              <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%" id="zadfc9ecaff8a4c129642f53d866750f3">

                  <tr>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.234%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                  </tr>
                  <tr>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                    <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom">
                      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">24 of 42</font></div>
                      <div><br>
                      </div>
                    </td>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                  </tr>

              </table>
              <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
          </div>
        </div>
        <hr style="page-break-after:always">
        <div style="min-height:108pt;width:100%">
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="text-align:center"><br>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(h)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">Restricted
            Assets</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">As of December&#160;31, 2022, the Company had the following restricted assets,
            including assets pledged to others as collateral, recorded at book value:</font></div>
        <div style="margin-top:5pt;padding-left:54pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.039%" id="z728467c4bb0340909c2844bd6cfe5307">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:16.606%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.643%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:8.006%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.643%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:8.006%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.643%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:8.006%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.474%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:8.006%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.643%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:8.006%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.643%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:8.849%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.643%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:8.849%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.980%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:8.854%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Restricted</font></td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Percentage</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total general account</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total separate account</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total current year</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total prior year</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Increase (decrease)</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total current year
                    admitted restricted</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross restricted to total assets</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Admitted restricted to total admitted assets</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">On deposit with
                    states</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,651&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,651&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,656&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,651&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivative collateral</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,549&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,345&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48,894&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,429&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,465&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48,894&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.0&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.0&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total
                    restricted assets</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31,200&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,345&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50,545&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31,085&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,460&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50,545&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.0&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.0&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
              </tr>

          </table>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">(6)&#160;&#160;&#160;&#160;Fair Value Measurements</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">SSAP No. 100R &#8211; </font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Fair Value</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;"> establishes a
            fair value hierarchy that prioritizes the inputs used in the valuation techniques to measure fair value.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-51.75pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Level&#160;1 &#8211; &#160;&#160;&#160;&#160;Unadjusted quoted
            prices for identical assets or liabilities in active markets that the Company has the ability to access at the measurement date.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-51.75pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Level&#160;2 &#8211; &#160;&#160;&#160;&#160;Valuations derived
            from techniques that utilize observable inputs, other than quoted prices included in Level&#160;1, which are observable for the asset or liability either directly or indirectly, such as: </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:108pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(a)&#160;&#160;&#160;&#160;Quoted prices for similar
            assets or liabilities in active markets. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:108pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(b)&#160;&#160;&#160;&#160;Quoted prices for identical
            or similar assets or liabilities in markets that are not active. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:108pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(c)&#160;&#160;&#160;&#160;Inputs other than quoted
            prices that are observable. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:108pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(d)&#160;&#160;&#160;&#160;Inputs that are derived
            principally from or corroborated by observable market data by correlation or other means. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-54pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Level&#160;3 &#8211; &#160;&#160;&#160;&#160;Valuations derived from
            techniques in which the significant inputs are unobservable. Level&#160;3 fair values reflect the Company&#8217;s own assumptions about the assumptions that market participants would use in pricing the asset or liability (including assumptions about
            risk).</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company has analyzed the valuation techniques and
            related inputs, evaluated its assets and liabilities reported at fair value, and determined an appropriate fair value hierarchy level based upon trading activity and the observability of market inputs. Based on the results of this evaluation
            and investment class analysis, each financial asset and liability was classified into Level&#160;1, 2, or 3.</font></div>
        <div style="height:58.5pt;position:relative;width:100%">
          <div style="bottom:0;position:absolute;width:100%">
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
              <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%" id="z82ae094e20854cc583a339d9d82781f2">

                  <tr>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.234%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                  </tr>
                  <tr>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                    <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom">
                      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">25 of 42</font></div>
                      <div><br>
                      </div>
                    </td>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                  </tr>

              </table>
              <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
          </div>
        </div>
        <hr style="page-break-after:always">
        <div style="min-height:108pt;width:100%">
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="text-align:center"><br>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The following presents the assets and liabilities
            measured at fair value on a recurring basis and their corresponding level in the fair value hierarchy at December&#160;31: </font></div>
        <div style="margin-top:5pt;padding-left:27pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.444%" id="zafda9c275e0c45689e25357a11a83c61">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:27.675%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.594%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:15.911%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.594%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:15.911%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.594%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:15.911%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.594%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:15.916%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Level 1</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Level 2 </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:700;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline">(a)</font></div>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Level 3</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Total</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:100%">Assets

                    at fair value</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Separate
                    account assets</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,958,660&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">113,012&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,071,672&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 28pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                    assets reported at fair value</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,958,660&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">113,012&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,071,672&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:100%">Liabilities

                    at fair value</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Separate
                    account derivative liabilities</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">122,296&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">122,296&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 28pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                    liabilities reported at fair value</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">122,296&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">122,296&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr style="height:9pt">
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="27" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:9pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%"> The Company does not have any assets or liabilities measured at net asset value (NAV) that are included in Level 2 within
                      this table.</font></div>
                </td>
              </tr>

          </table>
        </div>
        <div style="padding-left:27pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.444%" id="zbd694255371a4eadad524c94ff23b17e">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:27.675%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.594%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:15.911%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.594%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:15.911%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.594%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:15.911%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.594%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:15.916%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Level 1</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Level 2</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:700;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline"> (a)</font></div>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Level 3</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Total</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:100%">Assets

                    at fair value</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Derivative

                    assets</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">700&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">700&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Separate
                    account assets</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,330,868&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">244,061&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,574,929&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 28pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                    assets reported at fair value</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,330,868&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">244,761&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,575,629&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:100%">Liabilities

                    at fair value</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Separate
                    account derivative liabilities</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">36,644&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">108,584&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">108,584&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 28pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                    liabilities reported at fair value</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">108,584&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">108,584&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr style="height:11pt">
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="27" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:9pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%"> The Company does not have any assets or liabilities measured at NAV that are included in Level 2 within this table.</font></div>
                </td>
              </tr>

          </table>
        </div>
        <div style="margin-bottom:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The following is a discussion of the methodologies used to determine
            fair values for the assets and liabilities listed in the above table. These fair values represent an exit price (i.e., what a buyer in the marketplace would pay for an asset in a current sale or charge to transfer a liability). The Company has
            not made changes to valuation techniques in 2022. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(a)&#160;&#160;&#160;&#160;Valuation of Derivatives</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The fair value of OTC option assets and liabilities are
            derived internally, by calculating their expected discounted cash flows, using a set of calibrated, risk-neutral stochastic scenarios, including a market data monitor, a market data model generator, a stochastic scenario calibrator, and the
            actual asset pricing calculator, because active markets do not exist. Options that are internally priced and IRS, foreign currency swaps, TBA securities, and CDS are included in Level&#160;2, because they use market observable inputs. The fair
            values of exchange-traded options and futures contracts are based on quoted market prices in active markets and are included in Level 1. The fair value of TRS is derived from external brokers and do not utilize market observable inputs and are
            included in Level 3.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Certain derivatives are priced using external
            third-party vendors. The Company has controls in place to monitor the valuations of these derivatives. TRS prices are obtained from the respective counterparties. These prices are also internally recalculated and reviewed for reasonableness at
            the position level on a monthly basis. </font></div>
        <div style="height:58.5pt;position:relative;width:100%">
          <div style="bottom:0;position:absolute;width:100%">
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
              <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%" id="zb7ec56040cc24e76be1abad73adcae56">

                  <tr>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.234%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                  </tr>
                  <tr>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                    <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom">
                      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">26 of 42</font></div>
                      <div><br>
                      </div>
                    </td>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                  </tr>

              </table>
              <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
          </div>
        </div>
        <hr style="page-break-after:always">
        <div style="min-height:108pt;width:100%">
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="text-align:center"><br>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company does not have insight into the specific
            inputs used by third-party vendors; however, the key unobservable input would generally include the spread. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(b)&#160;&#160;&#160;&#160;Valuation of Separate Account
            Assets and Separate Account Derivative Liabilities</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Separate account assets and Separate account derivative
            liabilities, with the exception of certain bonds, cash, cash equivalents and investment income due and accrued, are carried at fair value, which is based on the fair value of the underlying assets which are described throughout this note. Funds
            in the separate accounts are primarily invested in variable investment option funds with the following investment types: bond, domestic equity, international equity, or specialty. Variable investment option funds are included in Level&#160;1 because
            their fair value is based on quoted prices in active, observable markets. The remaining investments are categorized similar to the investments held by the Company in the general account (e.g., if the separate account invested in bonds,
            short-term investments and derivatives, that portion could be classified within Level&#160;2 or Level&#160;3).</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%"> Certain b</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">onds, cash and cash equivalents, along with related accrued investment income and receivables, carried at amortized cost within the separate
            account have an amortized cost of $2,275,854 and $1,872,374 as of December&#160;31, 2022 and 2021, respectively, and a fair value of $1,956,071 and $1,899,039 as of December&#160;31, 2022 and 2021, respectively. Separate account assets carried at
            amortized cost are included in the table in section 6(g) below. </font></div>
        <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(c)&#160;&#160;&#160;&#160;Level&#160;3 Rollforward</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The following table provides a reconciliation of the
            beginning and ending balances for the Company&#8217;s Level&#160;3 assets and liabilities measured at fair value on a recurring basis:</font></div>
        <div style="margin-top:5pt;padding-left:54pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.939%" id="z98452a9954a94f19a2c02c9cb73c1e7e">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:20.936%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:9.584%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:9.584%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:9.751%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:10.252%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:10.252%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:10.419%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:10.422%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">January 1, 2022</font></td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transfers into<br>
                    Level 3</font></td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transfers out<br>
                    of Level 3</font></td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total gains<br>
                    and (losses)<br>
                    included in<br>
                    Net Income</font></td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total gains<br>
                    and (losses)<br>
                    included in<br>
                    Surplus</font></td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Purchases, issuances, sales and settlements</font></td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</font></td>
              </tr>
              <tr style="height:11pt">
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">TRS asset</font></td>
                <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Level
                    3 assets</font></td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr style="height:11pt">
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">TRS
                    liability</font></td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(758)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">758&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total
                    Level 3 liabilities</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(758)</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">758&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>

          </table>
        </div>
        <div style="padding-left:54pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:90.090%" id="z77c5dd4b051e4e7db473e0e6ac189e77">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:20.400%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:10.233%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:9.566%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:9.733%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:10.233%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:10.233%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:10.400%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:10.402%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">January 1, 2021</font></td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transfers into<br>
                    Level 3</font></td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transfers out<br>
                    of Level 3</font></td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total gains<br>
                    and (losses)<br>
                    included in<br>
                    Net Income</font></td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total gains<br>
                    and (losses)<br>
                    included in<br>
                    Surplus</font></td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Purchases, issuances, sales and settlements</font></td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2021</font></td>
              </tr>
              <tr style="height:11pt">
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">TRS asset</font></td>
                <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">555&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(555)</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 19.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total
                    Level 3 assets</font></td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">555&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(555)</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr style="height:11pt">
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">TRS
                    liability</font></td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,222)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,222&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total
                    Level 3 liabilities</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,222)</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,222&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>

          </table>
        </div>
        <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(d)&#160;&#160;&#160;&#160;Transfers</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company reviews its fair value hierarchy
            classifications quarterly. Transfers between levels occur when there are changes in the observability of inputs and market activity. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">For the years ended December&#160;31, 2022 and 2021, the Company did not have
            any transfers into or out of Level 3.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(e)&#160;&#160;&#160;&#160;Sensitivity of Fair Value
            Measurements to Changes in Unobservable Inputs</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Derivative assets and liabilities: </font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The TRS are priced by a third-party vendor and the Company internally reviews the valuation for reasonableness. The key unobservable input
            would generally include the spread. For a long position, a significant increase (decrease) in the spread used in the fair value of the TRS in isolation </font></div>
        <div style="height:58.5pt;position:relative;width:100%">
          <div style="bottom:0;position:absolute;width:100%">
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
              <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%" id="zb237235fef8949b887078d2f0ff05dcf">

                  <tr>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.234%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                  </tr>
                  <tr>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                    <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom">
                      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">27 of 42</font></div>
                      <div><br>
                      </div>
                    </td>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                  </tr>

              </table>
              <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
          </div>
        </div>
        <hr style="page-break-after:always">
        <div style="min-height:108pt;width:100%">
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="text-align:center"><br>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">could result in higher (lower) fair value. For a short
            position, a significant increase (decrease) in the spread used in the fair value of the TRS in isolation could result in lower (higher) fair value.</font></div>
        <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(f)&#160;&#160;&#160;&#160;Estimates</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company has been able to estimate the fair value of
            all financial assets and liabilities. </font></div>
        <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(g)&#160;&#160;&#160;&#160;Aggregate Fair Value of Financial
            Instruments</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The following tables present the carrying amounts and
            fair values of all financial instruments at December 31 </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">(b)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">:</font></div>
        <div style="margin-top:5pt;padding-left:54pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.588%" id="z65c6078b560645a49fd61bdda3f162db">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:26.018%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.647%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:12.628%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.647%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:12.628%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.647%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:12.628%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.647%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:12.628%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.647%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:12.635%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="27" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="15" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair Value</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Aggregate Fair
                    Value</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Admitted Assets/<br>
                    Carrying Value</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Level 1</font></td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Level 2</font></td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Level 3</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">Financial

                    Assets</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Bonds</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">588,527&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">647,422&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">180,732&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">407,795&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash
                    equivalents</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26,558&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26,558&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26,558&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Separate
                    account assets</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,027,744&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,347,526&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,982,157&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,045,587&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">Financial

                    Liabilities</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deposit-type

                    contracts</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,815&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,735&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,815&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other
                    investment contracts</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">384,701&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">434,151&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">384,701&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Separate
                    account liabilities</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,027,744&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,347,526&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,982,157&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,045,587&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr style="height:9pt">
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="33" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:9pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> The Company does not have any assets or liabilities measured at NAV that are included in Level 2 in this table. In
                      addition, the Company has no assets or liabilities for which it is not practicable to measure at fair value.</font></div>
                </td>
              </tr>

          </table>
        </div>
        <div style="padding-left:54pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.588%" id="z9c71c8f789df4570ad65ebfe98897d65">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:26.018%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.647%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:12.628%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.647%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:12.628%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.647%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:12.628%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.647%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:12.628%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.647%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:12.635%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="27" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="15" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair Value</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Aggregate Fair
                    Value</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Admitted Assets/<br>
                    Carrying Value</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Level 1</font></td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Level 2</font></td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Level 3</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">Financial

                    Assets</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Bonds</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">616,482&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">580,114</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78,459</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">538,023</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash
                    equivalents</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30,073&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30,073&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30,073&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivative
                    assets</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">700&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">700&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">700&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Separate
                    account assets</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,473,968&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,447,304</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,382,546</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,091,422</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">Financial

                    Liabilities</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deposit-type

                    contracts</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,249&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,122</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,249&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other
                    investment contracts</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">465,528&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">364,115</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">465,528&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Separate
                    account liabilities</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,473,968&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,447,304</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,382,546&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,091,422&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr style="height:9pt">
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="33" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:9pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> The Company does not have any assets or liabilities measured at NAV that are included in Level 2 in this table. In
                      addition, the Company has no assets or liabilities for which it is not practicable to measure at fair value.</font></div>
                </td>
              </tr>

          </table>
        </div>
        <div style="margin-bottom:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">A description of the Company&#8217;s valuation techniques for financial
            instruments not reported at fair value and categorized within the fair value hierarchy is shown below:</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Valuation of Bonds</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The fair value of bonds is based on quoted market
            prices in active markets when available. Based on the market data, the securities are categorized into asset class, and based on the asset class of the security, appropriate pricing applications, models and related methodology, and standard
            inputs are utilized to determine what a buyer in the marketplace would pay for the security in a current sale. When quoted prices are not readily available or in an inactive market, standard inputs used in the valuation models, listed in
            approximate order of priority, include, but are not limited to, benchmark yields, reported trades, Municipal Securities Rulemaking Board reported trades, Nationally Recognized Municipal Securities Information Repository material event notices,
            broker-dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, </font></div>
        <div style="height:58.5pt;position:relative;width:100%">
          <div style="bottom:0;position:absolute;width:100%">
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
              <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%" id="zd4464da65805445ab49d763a8f92ad61">

                  <tr>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.234%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                  </tr>
                  <tr>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                    <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom">
                      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">28 of 42</font></div>
                      <div><br>
                      </div>
                    </td>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                  </tr>

              </table>
              <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
          </div>
        </div>
        <hr style="page-break-after:always">
        <div style="min-height:108pt;width:100%">
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="text-align:center"><br>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">offers, reference data, and industry and economic
            events. In some cases, including private placement securities and certain difficult-to-price securities, internal pricing models may be used that are based on market proxies. Internal pricing models based on market spread and U.S. Treasury
            rates are used to value private placement holdings. The primarily unobservable input used in the discounted cash flow models for states and political subdivisions, foreign government, and corporate bonds is a corporate index option adjusted
            spread (OAS). CDO and certain mortgage-backed securities are priced by a third-party vendor and the Company internally reviews the valuation for reasonableness. The Company does not have insight into the specific inputs; however, the key
            unobservable inputs would generally include default rates.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Generally, U.S. Treasury securities and exchange-traded
            stocks are included in Level&#160;1. Most bonds for which prices are provided by third-party pricing sources are included in Level&#160;2, because the inputs used are market observable. Bonds for which prices were obtained from broker quotes, certain
            bonds without active trading markets and private placement securities that are internally priced are included in Level&#160;3.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Valuation of Cash Equivalents</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Cash equivalents are comprised of money market mutual
            funds. The fair value of money market mutual funds is based on quoted market prices in active markets and included in Level 1.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Valuation of Deposit-Type Contracts</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Fair values of deposit-type contracts are based on
            discounted cash flows using internal inputs, including the discount rate and consideration of the Company&#8217;s own credit standing and a risk margin for actuarial inputs.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Valuation of Other Investment Contracts</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Other investment contracts are included within Life
            policies and annuity contracts within the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. Other investment contracts include certain reserves related to deferred annuities and other payout annuities that may
            include life contingencies, but do not have significant mortality risk due to substantial periods certain. Fair values are based on discounted cash flows using internal inputs, including the discount rate and consideration of the Company&#8217;s own
            credit standing and a risk margin for market inputs.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Valuation of Separate Account Liabilities</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The fair value of separate account liabilities
            approximates the fair value of separate account assets.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">(7)&#160;&#160;&#160;&#160;Income Taxes</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(a)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">Deferred Tax
            Assets and Liabilities</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The components of the net DTA or net DTL are as
            follows: </font></div>
        <div style="margin-top:5pt;padding-left:54pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.588%" id="za7bc8f620c6f418e87240375ace9b821">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:41.781%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:17.374%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.647%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:17.374%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.647%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:17.377%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">December 31, 2022</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Ordinary</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Capital</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Total</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total gross deferred tax assets</font></div>
                </td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">27,191&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">814&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">28,005&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Statutory valuation allowance adjustments</font></div>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Adjusted gross deferred tax assets</font></div>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">27,191&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">814&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">28,005&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Deferred tax assets nonadmitted</font></div>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(17,639)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(17,639)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Subtotal net admitted deferred tax assets</font></div>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">9,552&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">814&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10,366&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Deferred tax liabilities</font></div>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,927)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,927)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net admitted deferred tax assets</font></div>
                </td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,625&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">814&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,439&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>

          </table>
        </div>
        <div style="height:58.5pt;position:relative;width:100%">
          <div style="bottom:0;position:absolute;width:100%">
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
              <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%" id="ze5b13adcce714112bd587a899b5bb3bc">

                  <tr>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.234%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                  </tr>
                  <tr>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                    <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom">
                      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">29 of 42</font></div>
                      <div><br>
                      </div>
                    </td>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                  </tr>

              </table>
              <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
          </div>
        </div>
        <hr style="page-break-after:always">
        <div style="min-height:108pt;width:100%">
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="text-align:center"><br>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
        </div>
        <div style="padding-left:54pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.588%" id="z79e6a540ebd04e5da71baef2190181ca">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:41.781%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
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                <td style="width:17.374%"><br>
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                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.647%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:17.374%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.647%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:17.377%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">December 31, 2021</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Ordinary</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Capital</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Total</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total gross deferred tax assets</font></div>
                </td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19,392&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">680&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">20,072&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Statutory valuation allowance adjustments</font></div>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Adjusted gross deferred tax assets</font></div>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19,392&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">680&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">20,072&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Deferred tax assets nonadmitted</font></div>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(11,747)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(11,747)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Subtotal net admitted deferred tax assets</font></div>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,645&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">680&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,325&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Deferred tax liabilities</font></div>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,553)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,553)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net admitted deferred tax assets</font></div>
                </td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,092&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">680&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,772&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>

          </table>
        </div>
        <div style="padding-left:54pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.588%" id="zda43de25c2104f5dbf8e16103c9d43b1">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:41.781%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:17.374%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.647%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:17.374%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.647%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:17.377%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Change</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Ordinary</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Capital</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Total</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total gross deferred tax assets</font></div>
                </td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,799&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">134&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,933&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Statutory valuation allowance adjustments</font></div>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Adjusted gross deferred tax assets</font></div>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,799&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">134&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,933&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Deferred tax assets nonadmitted</font></div>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(5,892)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(5,892)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Subtotal net admitted deferred tax assets</font></div>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,907&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">134&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,041&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Deferred tax liabilities</font></div>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(374)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(374)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net admitted deferred tax assets</font></div>
                </td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,533&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">134&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,667&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>

          </table>
        </div>
        <div style="padding-left:54pt"><br>
        </div>
        <div style="margin-bottom:6pt;padding-left:54pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The amount of admitted adjusted gross DTAs allowed under each component of SSAP No.&#160;101 &#8211;
          </font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Income Taxes</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;"> (SSAP No. 101) as of December 31 are as follows: </font></div>
        <div style="margin-top:5pt;padding-left:54pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.738%" id="z6ecf0bb67518478fb4a7ed18fb366500">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:44.416%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:16.497%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.646%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:16.497%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.646%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:16.498%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">December 31, 2022</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Ordinary</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Capital</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Federal
                    income taxes paid in prior years recoverable through loss carrybacks (11.a)</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">718&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">718&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs expected to be realized after application of the
                      threshold limitations</font></div>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Lesser of 11.b.i or 11.b.ii:</font></div>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs expected to be realized following the balance sheet
                      date (11.b.i.)</font></div>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,625&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">96&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,721&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs allowed per limitation threshold (11.b.ii)</font></div>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">N/A</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">N/A</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24,469&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Lesser of 11.b.i or 11.b.ii</font></div>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,625&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">96&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,721&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs offset by gross DTLs (11.c)</font></div>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,927&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,927&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:38.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred tax assets admitted</font></div>
                </td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,552&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">814&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,366&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>

          </table>
        </div>
        <div style="padding-left:54pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.738%" id="z3bfb15758fe4405a9cc46c07a69d4f2b">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:44.416%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:16.497%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.646%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:16.497%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.646%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:16.498%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">December 31, 2021</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Ordinary</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Capital</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Federal
                    income taxes paid in prior years recoverable through loss carrybacks (11.a)</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">680&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">680&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs expected to be realized after application of the
                      threshold limitations</font></div>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Lesser of 11.b.i or 11.b.ii:</font></div>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs expected to be realized following the balance sheet
                      date (11.b.i.)</font></div>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,092&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,092&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs allowed per limitation threshold (11.b.ii)</font></div>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">N/A</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">N/A</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,436&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Lesser of 11.b.i or 11.b.ii</font></div>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,092&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,092&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs offset by gross DTLs (11.c)</font></div>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,553&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,553&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:38.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred tax assets admitted</font></div>
                </td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,645&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">680&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,325&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>

          </table>
        </div>
        <div style="height:58.5pt;position:relative;width:100%">
          <div style="bottom:0;position:absolute;width:100%">
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
              <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%" id="zfca03788837d4905a23b68474804f8de">

                  <tr>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.234%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                  </tr>
                  <tr>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                    <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom">
                      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">30 of 42</font></div>
                      <div><br>
                      </div>
                    </td>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                  </tr>

              </table>
              <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
          </div>
        </div>
        <hr style="page-break-after:always">
        <div style="min-height:108pt;width:100%">
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="text-align:center"><br>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
        </div>
        <div style="padding-left:54pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.738%" id="z71caa77c81ac4653959ec4f2540ebc93">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:44.416%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:16.497%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.646%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:16.497%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.646%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:16.498%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Change</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Ordinary</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Capital</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Federal income taxes
                    paid in prior years recoverable through loss carrybacks (11.a)</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">38&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">38&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs expected to be realized after application of the
                      threshold limitations</font></div>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Lesser of 11.b.i or 11.b.ii:</font></div>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs expected to be realized following the balance sheet
                      date (11.b.i.)</font></div>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,533&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">96&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,629&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs allowed per limitation threshold (11.b.ii)</font></div>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">N/A</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">N/A</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,033&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Lesser of 11.b.i or 11.b.ii</font></div>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,533&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">96&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,629&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs offset by gross DTLs (11.c)</font></div>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">374&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">374&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:38.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred tax assets admitted</font></div>
                </td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,907&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">134&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,041&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>

          </table>
        </div>
        <div style="padding-left:54pt"><br>
        </div>
        <div style="margin-bottom:6pt;padding-left:81pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Ratios used for threshold limitation as of December 31 are as follows:</font></div>
        <div style="margin-top:5pt;padding-left:54pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.039%" id="z909cc635c51343cf81931c3a2ce3c46d">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:50.670%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:14.414%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.643%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:14.414%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.643%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:14.416%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31</font></td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Change</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ratio
                    percentage used to determine recovery period and threshold limitation amount</font></td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">589&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">711&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(122)</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount of
                    adjusted capital and surplus used to determine recovery period threshold limitation</font></td>
                <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">163,125&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">156,195&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,930&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>

          </table>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Impact of tax planning strategies on the determination
            of net admitted adjusted gross DTAs is as follows:</font></div>
        <div style="margin-top:5pt;padding-left:54pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.888%" id="z3657c9c1432648899906c4cad877e0c0">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:43.663%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:16.974%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.644%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:16.636%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.644%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:16.639%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2022</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Ordinary</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Capital</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net admitted adjusted gross DTAs - (percentage of total net admitted
                      adjusted gross DTAs)</font></div>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.8&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.8&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
              </tr>

          </table>
        </div>
        <div style="padding-left:54pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.888%" id="z884d3ce77eae47cd989991abacd43912">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:43.663%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:16.974%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.644%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:16.636%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.644%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:16.639%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2021</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Ordinary</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Capital</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net admitted adjusted gross DTAs - (percentage of total net admitted
                      adjusted gross DTAs)</font></div>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
              </tr>

          </table>
        </div>
        <div style="padding-left:54pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.888%" id="z42bdb97d720f43399229a941f8978c8c">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:43.663%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:16.974%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.644%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:16.636%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.644%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:16.639%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Change</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Ordinary</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Capital</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net admitted adjusted gross DTAs - (percentage of total net admitted
                      adjusted gross DTAs)</font></div>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.8&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.8&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
              </tr>

          </table>
        </div>
        <div style="margin-bottom:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company&#8217;s tax planning strategies do not include the use of
            reinsurance.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(b)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">Unrecognized
            Deferred Tax Liabilities</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">There are no temporary differences for which DTLs are
            not recognized.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(c)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">Current and
            Deferred Income Taxes</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The significant components of income taxes incurred
            (i.e. Current income tax expense) include:</font></div>
        <div style="height:58.5pt;position:relative;width:100%">
          <div style="bottom:0;position:absolute;width:100%">
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
              <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%" id="zc36e40be30d74b8da97ccfa26da63d3a">

                  <tr>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.234%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                  </tr>
                  <tr>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                    <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom">
                      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">31 of 42</font></div>
                      <div><br>
                      </div>
                    </td>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                  </tr>

              </table>
              <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
          </div>
        </div>
        <hr style="page-break-after:always">
        <div style="min-height:108pt;width:100%">
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="text-align:center"><br>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
        </div>
        <div style="margin-top:5pt;padding-left:54pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:90.090%" id="z36cefc18b3e94d1ca7bb239dc070654f">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:45.566%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:8.900%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.633%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:8.900%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.633%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:8.900%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.633%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:8.900%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.633%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:8.902%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31</font></td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022-2021 Change</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021-2010 Change</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Current year
                    federal tax expense (benefit) - ordinary income</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,586&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,319&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,280&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,733)</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,039&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Current year
                    foreign tax expense (benefit) - ordinary income</font></td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 28pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Subtotal</font></td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,586&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,319&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,280&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,733)</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,039&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Current year
                    tax expense (benefit) - net realized capital gains (losses)</font></td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(38)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">652&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(57)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(633)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Federal and
                    foreign income taxes incurred</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,548&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,338&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,932&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,790)</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,406&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>

          </table>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">DTAs and DTLs consist of the following major
            components:</font></div>
        <div style="margin-top:5pt;padding-left:54pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.039%" id="z56bf1ce7e8724ec7a4793573a4e41d99">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:42.238%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.643%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:16.943%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.643%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:16.943%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.643%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:16.947%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">December 31</font></td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Deferred tax assets</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Change</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ordinary:</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred
                    acquisition costs</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,241&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,678&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">563&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Policyholder

                    reserves</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,937&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,029&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,908&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Expense
                    accruals</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Investments</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">671&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(671)</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Nonadmitted

                    assets</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(7)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Subtotal</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">27,191&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,392&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,799&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Nonadmitted

                    ordinary deferred tax assets</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(17,639)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(11,747)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(5,892)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Admitted
                    ordinary tax assets</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,552&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,645&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,907&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Capital:</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Impaired
                    assets</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">814&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">680&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">134&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Subtotal</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">814&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">680&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">134&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Admitted
                    capital deferred tax assets</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">814&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">680&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">134&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Admitted
                    deferred tax assets</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,366&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,325&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,041&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>

          </table>
        </div>
        <div style="padding-left:54pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.039%" id="zf31997abb86c44a2b6d933b6135c7175">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:42.238%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.643%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:16.943%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.643%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:16.943%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.643%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:16.947%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">December 31</font></td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Deferred tax
                    liabilities</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Change</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ordinary:</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Investments</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(989)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(305)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(684)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Policyholder

                    reserves</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(931)</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,242)</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">311&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred
                    and uncollected premiums</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(7)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(6)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Subtotal</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,927)</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,553)</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(374)</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr style="height:11pt">
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Capital:</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Subtotal</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred tax
                    liabilities</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,927)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,553)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(374)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net deferred
                    tax asset</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,439&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,772&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,667&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>

          </table>
        </div>
        <div style="margin-bottom:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The realization of the DTAs is dependent upon the Company&#8217;s ability to
            generate sufficient taxable income in future periods. Based on historical results and the prospects for future current operations, management anticipates that it is more likely than not that future taxable income will be sufficient for the
            realization of the remaining DTAs.</font></div>
        <div style="padding-left:54pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 115%;">The Coronavirus Aid, Relief, and Economic Security Act, (CARES Act of 2020) was enacted on March 27, 2020,
            thereby allowing net operating losses (NOLs) arising in tax years beginning after December 31, 2017, and before January 1, 2021 (e.g., NOLs incurred in 2018, 2019, or 2020 by a calendar-year taxpayer) to be carried back to each of the five tax
            years preceding the tax year of such loss.</font></div>
        <div style="padding-left:54pt"><br>
        </div>
        <div style="height:58.5pt;position:relative;width:100%">
          <div style="bottom:0;position:absolute;width:100%">
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
              <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%" id="zdadbade92e6044838af9c6e5676756d3">

                  <tr>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.234%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                  </tr>
                  <tr>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                    <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom">
                      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">32 of 42</font></div>
                      <div><br>
                      </div>
                    </td>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                  </tr>

              </table>
              <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
          </div>
        </div>
        <hr style="page-break-after:always">
        <div style="min-height:108pt;width:100%">
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="text-align:center"><br>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 115%;">The Inflation Reduction Act was enacted on August 16,
            2022. The Company has not determined as of December 31, 2022 if it will be subject to the Corporate Alternative Minimum Tax ("CAMT") in 2023. These financial statements do not include the estimated impact of the CAMT, because a reasonable
            estimate cannot be made.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 115%;">The Company has determined that as of December 31, 2022, it will be an
            applicable corporation with respect to the CAMT in 2023.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">In computing taxable income, life insurance companies
            are allowed a deduction attributable to their life insurance and accident and health reserves. The Tax Act of 2017 significantly changed the methodology by which these reserves are computed for tax purposes.&#160;The changes are effective for tax
            years beginning after 2017 and are subject to a transition rule that spreads the additional income tax liability over the subsequent eight years beginning in 2018.&#160; Due to complexities in the new methodology and limited guidance from the
            Internal Revenue Service and U.S. Treasury, the Company has recorded provisional amounts for the deferred tax revaluation associated with the changes in the computation of life insurance tax reserves based on information available at December
            31, 2017.&#160; Pursuant to Interpretation of the SAP Working Group 18-01: </font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Updated Tax Estimates under the Tax
            Cuts and Jobs Act</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">, provisional tax computations related to these amounts were reasonably estimated&#160;as of December 31, 2017 and
            have been adjusted based on guidance received from Internal Revenue Service and U.S. Treasury. Adjusted amounts are reflected in the Company's results of operations for the years ended December 31, 2022, 2021, and 2020. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Change in net deferred income tax is comprised of
            the following (this analysis is exclusive of the nonadmitted DTAs as the Change in nonadmitted assets is reported separately from the Change in net deferred income tax in the Unassigned surplus section of the Statutory Statements of Capital and
            Surplus):</font></div>
        <div style="margin-top:5pt;padding-left:54pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.039%" id="zed072a1ff8254a548993cbb79c9a2304">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:56.741%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:12.390%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.643%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:12.390%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.643%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:12.393%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">December 31</font></td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Change</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net deferred tax assets</font></div>
                </td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26,078&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,519&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,559&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Statutory valuation allowance adjustment</font></div>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net deferred tax assets after statutory valuation allowance</font></div>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26,078&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,519&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,559&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tax effect of unrealized gains/(losses)</font></div>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">626&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(671)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,297&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in net deferred income tax</font></div>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,856&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>

          </table>
        </div>
        <div style="height:58.5pt;position:relative;width:100%">
          <div style="bottom:0;position:absolute;width:100%">
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
              <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%" id="z6310ce83d44f4cd6acda2136c048a2b3">

                  <tr>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.234%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                  </tr>
                  <tr>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                    <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom">
                      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">33 of 42</font></div>
                      <div><br>
                      </div>
                    </td>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                  </tr>

              </table>
              <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
          </div>
        </div>
        <hr style="page-break-after:always">
        <div style="min-height:108pt;width:100%">
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="text-align:center"><br>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(d)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">Reconciliation
            of Federal Income Tax Rate to Actual Effective Rate</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The provision for federal income taxes incurred is
            different from that which would be obtained by applying the statutory federal income tax rate to income before income taxes. The significant items causing this difference are as follows:</font></div>
        <div style="margin-top:5pt;padding-left:54pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.888%" id="z0b457b58d2404a42ae365a52adceb17a">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:44.170%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:16.636%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.644%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:16.467%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.644%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:16.639%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2022</font></td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2021</font></td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2020</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Federal income tax
                    rate</font></td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21.0&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21.0&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21.0&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Amortization of IMR</font></td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(0.9)</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.5&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.2&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Dividends received
                    deduction</font></td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.0&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(0.8)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3.7)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tax hedges</font></td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(0.2)</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tax hedge
                    reclassification</font></td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(10.3)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(17.5)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(31.5)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in deferred
                    tax on non-admitted assets</font></td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.2&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Prior period
                    adjustments</font></td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.5&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in deferred
                    tax impairments</font></td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.3&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2.5)</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Realized capital
                    gains tax</font></td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.1&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.4&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Effective
                    tax rate</font></td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11.2&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.5&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(12.9)</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              </tr>
              <tr style="height:6pt">
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Federal and foreign
                    income taxes incurred</font></td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(7.6)</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8.8&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.7&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Realized capital
                    gains tax </font></td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.1&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.4&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in net
                    deferred income taxes</font></td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18.7&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(5.3)</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(20)</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Effective
                    tax rate</font></td>
                <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11.2&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.5&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(12.9)</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              </tr>

          </table>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(e)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">Carryforwards,
            Recoverable Taxes, and IRC Section&#160;6603 Deposits</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">As of December&#160;31, 2022, </font><font style="background-color: #ffffff; color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">there are no operating losses or tax credit carryforwards available for tax purposes.</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;"> </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="background-color: #ffffff; color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">There are no Federal income
            taxes available for recoupment in the event of future net losses.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">There are no aggregate deposits admitted under
            Section&#160;6603 of the IRC.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company had no tax contingencies computed in
            accordance with SSAP No.&#160;101 as of December&#160;31, 2022 and 2021.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company recognizes interest and penalties accrued
            related to unrecognized tax benefits in federal income tax expense. During the years ended December&#160;31, 2022 and 2021, the Company recognized no such expenses.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(f)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">Consolidated
            Federal Income Tax Return </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company&#8217;s federal income tax return is consolidated
            with AZOA. The method of allocation between the subsidiaries of AZOA is subject to written agreement, approved by the Allianz Life Board of Directors. Allocation is based upon separate return calculations with current credit for net losses.
            Intercompany tax balances are settled annually after the consolidated return is filed. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 112%;">The Company is included in the consolidated group for
            which AZOA files a federal income tax return on behalf of all group members. As a member of the AZOA consolidated group, the Company is no longer subject to U.S. Federal and non-U.S. income tax examinations for years prior to 2016, though
            examinations of combined returns filed by AZOA, which include the Company, by certain U.S. state and local tax authorities, may still be conducted for 2008 and subsequent years. The Internal Revenue Service (IRS) examination of AZOA for the
            2016 and 2017 income tax returns has completed the exam phase and has been assigned to appeals for an issue unrelated to the Company. The IRS has also initiated an examination of AZOA's 2018-2020 income tax returns, which are expected to close
            by the end of 2023.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">As of December&#160;31, 2022, the companies included in the
            consolidated group for which AZOA files a federal income tax return are included below:</font></div>
        <div style="height:58.5pt;position:relative;width:100%">
          <div style="bottom:0;position:absolute;width:100%">
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
              <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%" id="zaa827121a9844f6f88f7a99867e8b9fc">

                  <tr>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.234%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                  </tr>
                  <tr>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                    <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom">
                      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">34 of 42</font></div>
                      <div><br>
                      </div>
                    </td>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                  </tr>

              </table>
              <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
          </div>
        </div>
        <hr style="page-break-after:always">
        <div style="min-height:108pt;width:100%">
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="text-align:center"><br>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
        </div>
        <div style="margin-top:5pt;padding-left:27pt;padding-right:27pt;text-align:center">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:73.573%" id="z6f035a0e0aab4bada29c8793af62f337">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:48.900%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:48.900%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Members of Consolidated Tax Group</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz Life Insurance Company of New York</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz Life Insurance Company of Missouri</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz Life
                    Insurance Company of North America</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz Underwriters
                    Insurance Company</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">AZOA Services
                    Corporation</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">AGCS Marine Insurance
                    Company</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz Global Risks
                    US Insurance Company</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">William H. McGee
                    &amp; Co., Inc.</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz Reinsurance
                    of America, Inc.</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz Reinsurance
                    Management Services, Inc.</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz Technology of
                    America, Inc.</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fireman&#8217;s Fund
                    Insurance Company</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz Renewable
                    Energy Partners of America LLC</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fireman&#8217;s Fund
                    Indemnity Corporation</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz Renewable
                    Energy Partners of America 2 LLC</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">National Surety
                    Corporation</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">PFP Holdings, LLC.</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Chicago Insurance
                    Company</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">AZL PF Investments,
                    Inc.</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interstate Fire &amp;
                    Casualty Company</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Dresdner Kleinwort
                    Pfandbriefe Investments II, Inc.</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">American Automobile
                    Insurance Company</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz Fund
                    Investments, Inc.</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">The American
                    Insurance Company</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Yorktown Financial
                    Companies, Inc.</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz Risk
                    Transfer, Inc.</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Questar Capital
                    Corporation</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz Risk Transfer
                    (Bermuda), Ltd.</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Questar Agency, Inc.</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
              </tr>

          </table>
        </div>
        <div style="margin-top:5pt;padding-left:27pt;padding-right:27pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">(8)&#160;&#160;&#160;&#160;Accident and Health Claim Reserves</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Accident and health claim reserves are based on
            estimates that are subject to uncertainty. Uncertainty regarding reserves of a given accident year is gradually reduced as new information emerges each succeeding year, thereby allowing more reliable reevaluations of such reserves. While
            management believes that reserves as of December&#160;31, 2022, are appropriate, uncertainties in the reserving process could cause reserves to develop favorably or unfavorably in the near term as new or additional information emerges. Any
            adjustments to reserves are reflected in the operating results of the periods in which they are made. Movements in reserves could significantly impact the Company&#8217;s future reported earnings.</font></div>
        <div style="margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Activity in the accident and health claim reserves is summarized as
            follows:</font></div>
        <div style="margin-top:5pt;padding-left:27pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:91.891%" id="ze3479ecb1c224ad1b7cecd4ca93030a5">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:53.801%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.616%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:13.115%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.616%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:13.115%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.616%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:13.121%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Balance at January
                    1, net of reinsurance recoverables of $1,137, $1,079, and $1,214, respectively</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,074&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,834&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,302&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Incurred
                    related to:</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Current
                    year</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,182&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,613&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,428&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Prior
                    years</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(113)</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(433)</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,093)</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                    incurred</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,069&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,180&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,335&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Paid related
                    to:</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Current
                    year</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">361&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">154&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">153&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Prior
                    years</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,124&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,786&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,650&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total paid</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,485&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,940&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,803&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 3.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Balance
                    at December 31, net of reinsurance recoverables of $1,416, $1,137, and $1,079, respectively</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10,658&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,074&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,834&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>

          </table>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Prior years incurred claim reserves changed as a result
            of re-estimation of unpaid claims and claim adjustment expenses, principally on the individual LTC line of business. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">(9)&#160;&#160;&#160;&#160;Reinsurance</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company primarily enters into reinsurance
            agreements to manage risk resulting from its life, annuity, and accident and health businesses, as well as businesses the Company has chosen to exit. In the normal course of business, the Company seeks to limit its exposure to loss on any
            single insured and to recover a portion of benefits paid by ceding risks under excess coverage and coinsurance contracts. </font></div>
        <div style="height:58.5pt;position:relative;width:100%">
          <div style="bottom:0;position:absolute;width:100%">
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
              <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%" id="z31b214b009094fe88d8f4f92c591d91a">

                  <tr>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.234%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                  </tr>
                  <tr>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                    <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom">
                      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">35 of 42</font></div>
                      <div><br>
                      </div>
                    </td>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                  </tr>

              </table>
              <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
          </div>
        </div>
        <hr style="page-break-after:always">
        <div style="min-height:108pt;width:100%">
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="text-align:center"><br>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company monitors the financial exposure and
            financial strength of the reinsurers on an ongoing basis. The Company attempts to mitigate risk by securing recoverable balances with various forms of collateral, including arranging trust accounts and letters of credit with certain reinsurers.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The effect of reinsurance on reserves and claims, for
            amounts recoverable from other insurers, was as follows:</font></div>
        <div style="margin-top:5pt;padding-left:27pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:93.843%" id="zb9f1935d80604a088960cd6f7c955076">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:57.940%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.600%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:18.580%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.600%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:18.580%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">For the years ended December 31,</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Reduction in:</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Aggregate
                    reserves</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">11,183&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,602&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Policy
                    and contract claims</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">181&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">160&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>

          </table>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company assumed no business from other companies
            for the years ended December&#160;31, 2022, 2021, and 2020. Life insurance, annuities, and accident and health business ceded to other companies are as follows: </font></div>
        <div style="margin-top:5pt;padding-left:27pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.294%" id="zea4de78413d349b2975479391eceb43d">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:43.008%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.596%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:16.734%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.596%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:16.734%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.596%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:16.736%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Year ended</font></td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Direct amount</font></td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Ceded to other companies</font></td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Net amount</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">December 31, 2022</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life
                    insurance in force</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,837,298&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,651,432&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">185,866&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Premiums:</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,286&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,046&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">240&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Annuities</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">653,562&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">653,562&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Accident
                    and health</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,207&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">412&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,795&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                    premiums</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">659,055&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,458&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">656,597&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr style="height:12pt">
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">December 31, 2021</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life
                    insurance in force</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">750,332&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">673,079&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">77,253&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Premiums:</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,171&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,035&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">136&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Annuities</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">685,610&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">685,610&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Accident
                    and health</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,245&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">431&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,814&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                    premiums</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">690,026&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,466&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">688,560&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr style="height:12pt">
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">December 31, 2020</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life
                    insurance in force</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">328,472&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">293,458&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">35,014&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Premiums:</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">884&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">734&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">150&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Annuities</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">425,561&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">425,561&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Accident
                    and health</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,224&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">436&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,788&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                    premiums</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">429,669&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,170&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">428,499&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>

          </table>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">There are no nonaffiliated reinsurers owned in excess
            of 10% or controlled, either directly or indirectly, by the Company or by a representative, officer, trustee, or director of the Company. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">There are no policies issued by the Company that have
            been reinsured with a company chartered in a country other than the United States that is owned in excess of 10% or controlled directly or indirectly by an insured, a beneficiary, a creditor, or any other person not primarily engaged in the
            insurance business. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company does not have any reinsurance agreements in
            effect under which the reinsurer may unilaterally cancel any reinsurance for reasons other than for nonpayment of premium or other similar credits. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company does not have reinsurance agreements in
            effect such that the amount of losses paid or accrued through the statement date may result in a payment to the reinsurer of amounts that, in aggregate and allowing for offset of </font></div>
        <div style="height:58.5pt;position:relative;width:100%">
          <div style="bottom:0;position:absolute;width:100%">
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
              <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%" id="z2142cf17c5a74db5ac43b78be4b37a14">

                  <tr>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.234%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                  </tr>
                  <tr>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                    <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom">
                      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">36 of 42</font></div>
                      <div><br>
                      </div>
                    </td>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                  </tr>

              </table>
              <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
          </div>
        </div>
        <hr style="page-break-after:always">
        <div style="min-height:108pt;width:100%">
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="text-align:center"><br>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">mutual credits from other reinsurance agreements with
            the same reinsurer, exceed the total direct premium collected under the reinsured policies. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company did not write off any uncollectible
            recoverables during 2022, 2021, and 2020.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">(10)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Annuity Actuarial Reserves and Deposit Liabilities by Withdrawal Characteristics</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Information regarding the Company&#8217;s annuity actuarial
            reserves and deposit liabilities by withdrawal characteristics at December&#160;31 is as follows:</font></div>
        <div style="margin-top:5pt;padding-left:27pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.849%" id="zb589a09ce41c4678916a7993bcca9b67">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:45.666%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.551%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:11.982%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.551%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:10.930%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.551%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:11.982%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.551%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:10.936%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Percentage of total</font></td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Percentage of total</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Subject to
                    discretionary withdrawal:</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">With
                    market value adjustment</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">82,552&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">102,531&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">At book
                    value less current surrender charges of 5% or more</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,897,657&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">41&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,687,975&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">36&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">At
                    market value</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,599,527&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">35&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,077,042&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">44&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                    with adjustment or at market value</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,579,736&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">78&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,867,548&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">82&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">At book
                    value without adjustment (minimal or no charge or adjustment)</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">873,856&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">742,702&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Not
                    subject to discretionary withdrawal</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">114,825&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">59,964&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 30.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                    gross</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,568,417&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,670,214&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Reinsurance ceded</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 30.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                    net</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,568,417&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,670,214&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Amount included in
                    At book value less current charges of 5% or more that will move to At book value without adjustment in the year after the statement date:</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:3pt double #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:3pt double #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">317,896&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:3pt double #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:3pt double #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:3pt double #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">271,907&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:3pt double #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
              </tr>

          </table>
        </div>
        <div style="padding-left:27pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.444%" id="zc31a099f0aeb4da4997364592fe4c4f0">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:66.785%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.912%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:14.003%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.594%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:14.006%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Reconciliation of
                    total annuity actuarial reserves and deposit fund liabilities:</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life, Accident and
                    Health Annual Statement:</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Annuities,
                    net (excluding supplementary contracts with life contingencies)</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">377,151&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">342,115&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Supplemental

                    contracts with life contingencies, net</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">21,956&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">21,030&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Deposit-type

                    contracts</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,735&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,122&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 37.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Subtotal</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">405,842&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">369,267&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Separate Accounts
                    Annual Statement:</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Annuities,
                    net (excluding supplementary contracts with life contingencies)</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,162,122&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,300,405&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Supplemental

                    contracts with life contingencies, net</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">453&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">542&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 37.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Subtotal</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,162,575&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,300,947&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 55pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                    annuity actuarial reserves and deposit fund liabilities</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,568,417&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,670,214&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>

          </table>
        </div>
        <div style="height:58.5pt;position:relative;width:100%">
          <div style="bottom:0;position:absolute;width:100%">
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
              <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%" id="z4b1e913bbc0940faa1d48f23d3e27e64">

                  <tr>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.234%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                  </tr>
                  <tr>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                    <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom">
                      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">37 of 42</font></div>
                      <div><br>
                      </div>
                    </td>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                  </tr>

              </table>
              <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
          </div>
        </div>
        <hr style="page-break-after:always">
        <div style="min-height:108pt;width:100%">
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="text-align:center"><br>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">(11)&#160;&#160;&#160;&#160;Life Actuarial Reserves by Withdrawal Characteristics</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Information regarding the Company&#8217;s life actuarial
            reserves by withdrawal characteristics at December&#160;31 is as follows: </font></div>
        <div style="margin-top:5pt;padding-left:27pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.444%" id="z205c451786cc4568847706edbe251156">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:48.502%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:15.593%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:15.911%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:15.594%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">General Account</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Account value</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Cash value</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Reserve</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Subject to discretionary withdrawal, surrender values, or policy loans:</font></td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Universal

                    life</font></td>
                <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">608&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Indexed
                    life</font></td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,816&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,721&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,794&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other
                    permanent cash value life insurance</font></td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">244&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">244&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">244&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Miscellaneous

                    reserves</font></td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">22,000&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Not
                    subject to discretionary withdrawal or no cash values:</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Term
                    policies without cash value</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">XXX</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">XXX</font></td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,253&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Miscellaneous

                    reserves</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">XXX</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">XXX</font></td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">38,185&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                    gross</font></td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,067&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,967&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">65,084&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Reinsurance
                    ceded</font></td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,466&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total net </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline">(1)</font></div>
                </td>
                <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,067&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,967&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">60,618&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr style="height:6pt">
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="12" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:9pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline">(1)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%"> Balances reflected within this disclosure reside in the Company's general account; the Company's separate accounts do not
                      contain Life business.</font></div>
                </td>
              </tr>
              <tr style="height:8pt">
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="9" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">General Account</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Account value</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Cash value</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Reserve</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Subject to discretionary withdrawal, surrender values, or policy loans:</font></td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Universal

                    life</font></td>
                <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">23&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">594&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Indexed
                    life</font></td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,825&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,710&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,780&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other
                    permanent cash value life insurance</font></td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">303&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">303&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">303&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Miscellaneous

                    reserves</font></td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,000&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Not
                    subject to discretionary withdrawal or no cash values:</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Term
                    policies without cash value</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">XXX</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">XXX</font></td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">806&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Miscellaneous

                    reserves</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">XXX</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">XXX</font></td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,282&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                    gross</font></td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,151&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,029&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">26,765&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Reinsurance
                    ceded</font></td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,441&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total net </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline">(1)</font></div>
                </td>
                <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,151&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,029&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">25,324&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr style="height:6pt">
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="12" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom">
                  <div style="padding-left:9pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline">(1)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%"> Balances reflected within this disclosure reside in the Company's general account; the Company's separate accounts do not
                      contain Life business.</font></div>
                </td>
              </tr>

          </table>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company does not have any Life policies with either guarantees or
            nonguarantees in the separate account.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.744%" id="ze2ba34e8878c4766a1e0e54e8e9d24e1">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:57.061%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:19.819%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:19.820%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr style="height:3pt">
                <td colspan="6" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
              </tr>
              <tr style="height:5pt">
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Reconciliation of total life actuarial
                    reserves:</font></td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life,
                    Accident, and Health Annual Statement:</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life
                    insurance, net</font></td>
                <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,112&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,997&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Miscellaneous

                    reserves, net</font></td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">57,506&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">22,327&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 66.25pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                    life actuarial reserves</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">60,618&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">25,324&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr style="height:5pt">
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr style="height:5pt">
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
              </tr>

          </table>
        </div>
        <div style="height:45pt;position:relative;width:100%">
          <div style="bottom:0;position:absolute;width:100%">
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
              <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%" id="z957bc203257e4ab5a611b29e9f18ea22">

                  <tr>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.234%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                  </tr>
                  <tr>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                    <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom">
                      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">38 of 42</font></div>
                      <div><br>
                      </div>
                    </td>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                  </tr>

              </table>
              <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
          </div>
        </div>
        <hr style="page-break-after:always">
        <div style="min-height:108pt;width:100%">
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="text-align:center"><br>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">(12)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Separate Accounts</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company&#8217;s separate accounts represent funds held
            for the benefit of contract holders entitled to payments under variable annuity contracts issued through the Company&#8217;s separate accounts and underwritten by the Company. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">As of December&#160;31, 2022 and 2021, the Company's
            separate accounts are classified as nonguaranteed. Information regarding the Company&#8217;s separate accounts for the years ended December&#160;31 is as follows:</font></div>
        <div style="margin-top:5pt;padding-left:27pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:85.885%" id="z564965228c1f4972820a23f9cd7e4f05">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:55.368%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:19.879%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.373%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:19.880%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Premiums,
                    considerations, or deposits</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">597,807&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">643,502&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Reserves: </font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Reserves
                    for accounts with assets at fair value</font></td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,915,239&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,427,721&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Reserves
                    for account, with assets at amortized cost</font></td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,247,336&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,873,227&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                    reserves</font></td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,162,575&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,300,948&#160;</font></td>
                <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">By withdrawal
                    characteristics:</font></td>
                <td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">At fair
                    value</font></td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,581,648&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,337,089&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">At book
                    value without MV adjustment and with current surrender charge of 5% or more</font></td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,914,787&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,427,179&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">At book
                    value without MV adjustment and with current surrender charge of less than 5%</font></td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">665,687&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">536,138&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Subtotal</font></td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,162,122&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,300,406&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Not subject
                    to discretionary withdrawal</font></td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">453&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">542&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,162,575&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,300,948&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>

          </table>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">As of December&#160;31, 2022 and 2021, the Company&#8217;s
            separate accounts included legally insulated assets and non-insulated assets attributed to the following products/transactions: </font></div>
        <div style="margin-top:5pt;padding-left:27pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.594%" id="z89504c7b7eab41ae8f840fe002ad458f">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:36.836%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.911%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:13.344%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.911%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:13.344%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.069%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:13.344%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.593%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:13.348%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Product/transaction</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Legally insulated</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Not legally insulated</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Legally insulated</font></td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Not legally insulated</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Variable Annuities</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,621,829&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,108,248&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Variable Annuities
                    (Non-Unitized Non-Insulated)</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,725,697&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,339,056&#160;</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,621,829&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,725,697&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,108,248&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,339,056&#160;</font></td>
                <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>

          </table>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company&#8217;s separate account liabilities contain
            guaranteed benefits. The liabilities for guaranteed benefits are supported by the Company&#8217;s general account assets. To compensate the general account for the risk taken, the separate account paid risk charges of $24,891, $25,752, $26,544,
            $37,538, and $36,073 during the past five years, respectively. The general account of the Company paid $7,256, $191, $929, $1,019, and $465 towards separate account guarantees during the past five years, respectively.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">A reconciliation of net transfers to separate accounts
            for the years ended December 31 is included in the following table: </font></div>
        <div style="margin-top:5pt;padding-left:27pt">
          <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.444%" id="za8d75e3685cf451aa9aa81ceb6337d1a">

              <tr>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:55.338%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.912%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:12.413%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.912%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:12.413%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:0.594%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
                <td style="width:1.0%"><br>
                </td>
                <td style="width:12.418%"><br>
                </td>
                <td style="width:0.1%"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
                <td colspan="3" style="padding:0 1pt"><br>
                </td>
                <td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Transfers as
                    reported in the Summary of Operations of the Separate Accounts Annual Statement:</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Transfers

                    to separate accounts</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">597,807&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">643,502&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">401,472&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Transfers

                    from separate accounts</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(246,810)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(285,061)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(215,753)</font></td>
                <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net
                    transfers to separate accounts</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">350,997&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">358,441&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">185,719&#160;</font></td>
                <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Reconciling
                    adjustments:</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other
                    adjustments</font></td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">289&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">97&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#ffffff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">296&#160;</font></td>
                <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>
              <tr>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
                <td colspan="3" style="display:none"></td>
              </tr>
              <tr>
                <td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Transfers as
                    reported in the Statutory Statements of Operations</font></td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">351,286&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">358,538&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
                <td colspan="3" style="background-color:#cceeff;padding:0 1pt"><br>
                </td>
                <td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">186,015&#160;</font></td>
                <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                </td>
              </tr>

          </table>
        </div>
        <div style="height:58.5pt;position:relative;width:100%">
          <div style="bottom:0;position:absolute;width:100%">
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
              <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%" id="z3041249286034cfeaaaba8bcda7a19c9">

                  <tr>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.233%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                    <td style="width:1.0%"><br>
                    </td>
                    <td style="width:32.234%"><br>
                    </td>
                    <td style="width:0.1%"><br>
                    </td>
                  </tr>
                  <tr>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                    <td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom">
                      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">39 of 42</font></div>
                      <div><br>
                      </div>
                    </td>
                    <td colspan="3" style="padding:0 1pt"><br>
                    </td>
                  </tr>

              </table>
              <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
          </div>
        </div>
        <hr style="page-break-after:always">
        <div style="min-height:108pt;width:100%">
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
          <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
          <div style="text-align:center"><br>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">(13) &#160;&#160;&#160;&#160;Related-Party Transactions</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(a) &#160;&#160;&#160;&#160;Real
            Estate</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company subleases office space from an affiliate.
            In connection with this agreement, the Company incurred rent expense of $83, $82, and $76 in 2022, 2021, and 2020, respectively, which is included in General and administrative expenses on the Statutory Statements of Operations.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(b) &#160;&#160;&#160;&#160;Service
            Fees</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company incurred fees for administrative services
            provided by Allianz Life of $17,134, $14,025 and $10,372 in 2022, 2021, and 2020, respectively. The Company&#8217;s liability for these expenses was $1,510 and $1,182 as of December&#160;31, 2022 and 2021, respectively, and is included in Payable to
            parent and affiliates on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. In the normal course of business, the outstanding amount is settled in cash. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company incurred fees for investment advisory
            services provided by affiliated companies of $1,992, $1,486, and $1,128 in 2022, 2021, and 2020, respectively. The Company&#8217;s liability for these charges was $232 and $143 as of December&#160;31, 2022 and 2021, respectively, and is included in
            Payable to parent and affiliates on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. In the normal course of business, the outstanding amount is settled in cash.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company has an agreement with Allianz Investment
            Management, LLC which has subsequent agreements with its affiliates Pacific Investment Management Company (PIMCO), Oppenheimer Capital LLC (OpCap), and with certain other related parties whereby (1) specific investment options managed by PIMCO
            and OpCap are made available through the Company's separate accounts to holders of the Company's variable annuity products, and (2) the Company receives compensation for providing administrative and recordkeeping services relating to the
            investment options managed by PIMCO and OpCap. Income recognized by the Company from these affiliates for distribution and in-force related costs as a result of providing investment options to the contractholders was $575, $729, and $787 during
            2022, 2021, and 2020, respectively, which is included in Fees from separate accounts on the Statutory Statements of Operations. The related receivable for the fees was $45 and $57 at December&#160;31, 2022 and 2021, respectively, which is included
            in Other assets on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company has incurred commission expense related to
            the distribution of variable annuity products from Allianz Life Financial Services, LLC, (ALFS), an affiliated company, in the amount of $44,736, $46,892, and $31,064 for the years ended December&#160;31, 2022, 2021, and 2020, respectively. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company has an agreement with ALFS, whereby 12b-1
            fee receivables are assigned to the Company and Allianz Life. The Company has also agreed with Allianz Life to share in reimbursing ALFS for direct and indirect expenses incurred in performing services for the Company and Allianz Life. In the
            event that assigned receivables exceed expenses, ALFS records a loss on the transaction with the Company and a dividend-in-kind to Allianz Life. The Company recorded revenue from this agreement of $3,586, $4,261, and $3,936 for the years ended
            December&#160;31, 2022, 2021, and 2020, respectively. The Company recorded expenses related to this agreement of $9,234, $8,528, and $6,027 for the years ended December&#160;31, 2022, 2021, and 2020, respectively.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(c)
            &#160;&#160;&#160;&#160;Reinsurance</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company cedes certain term life and universal life
            insurance policies to Allianz Life. At December&#160;31, 2022 and 2021, the Company had no reinsurance recoverables and receivables from Allianz Life included in Other assets on the Statutory Statements of Admitted Assets, Liabilities, and Capital
            and Surplus.</font></div>
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          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
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          </div>
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        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(d) &#160;&#160;&#160;&#160;Line of
            Credit Agreement</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company has a line of credit agreement with Allianz
            Life to provide liquidity as needed. The Company&#8217;s borrowing capacity under the agreement is limited to 5% of the general account admitted assets of the Company as of the preceding year end which amounts to $124,831. The Company's general
            account admitted assets include the book value portion of the non-insulated separate account assets. The interest rate for borrowing under the agreement is based on the Secured Overnight Financing Rate (SOFR). Borrowed amounts can be prepaid at
            any time with no prepayment penalty. Allianz Life provided $30,000 to the Company under the terms of this agreement on May&#160;10, 2022 and the loan was paid in full on June&#160;29, 2022. There was no interest accrued as of December&#160;31, 2022 and 2021.
            There was no outstanding balance under the line of credit agreement as of December&#160;31, 2022, and 2021. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(e) &#160;&#160;&#160;&#160;Dividends
            and Capital Contributions</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company did not pay dividends to Allianz Life
            during the years ended December&#160;31, 2022, 2021 and 2020.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company received a capital contribution of $30,000
            from Allianz Life on March 11, 2022. The Company did not receive any capital contributions from Allianz Life during the years ended December 31, 2021 and 2020.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">(14)&#160;&#160;&#160;&#160;Employee Benefit Plans</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company participates in the Allianz Asset
            Accumulation Plan (AAAP), a defined contribution plan sponsored by Allianz of America Corporation. Eligible employees are immediately enrolled in the AAAP on their first day of employment. The AAAP will accept participants&#8217; pretax, Roth 401(k),
            and/or after-tax contributions up to 80% of the participants&#8217; eligible compensation, although contributions remain subject to annual limitations set by the Internal Revenue Service. The Company matches up to a maximum of 7.5% of the employees&#8217;
            eligible compensation. Participants are 100% vested in the Company&#8217;s matching contribution after three&#160;years of service.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The AAAP administration expenses and the trust fund,
            including trustee fees, investment manager fees, and audit fees, are payable from the trust fund but may, at the Company&#8217;s discretion, be paid by the Company. All legal fees are paid by the Company. It is the Company&#8217;s policy to fund the AAAP
            costs as incurred. The Company has expensed $419, $328, and $323 in 2022, 2021, and 2020, respectively, toward the AAAP matching contributions and administration expenses.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">(15)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Statutory Capital and Surplus</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Statutory accounting practices prescribed or permitted
            by the Company&#8217;s state of domicile are directed toward insurer solvency and protection of policyholders. As such, the Company is required to meet minimum statutory capital and surplus requirements. The Company&#8217;s statutory capital and surplus as
            of December&#160;31, 2022 and 2021 were in compliance with these requirements. The maximum amount of dividends that can be paid by New York insurance companies to stockholders without prior approval of the Department is subject to restrictions
            relating to statutory earned surplus, also known as unassigned funds. Unassigned funds are determined in accordance with the accounting procedures and practices governing preparation of the statutory annual statement. In accordance with New
            York statutes, the Company may declare and pay from its Unassigned surplus cash dividends of not more than the lesser of 10% of its beginning-of-the year statutory surplus, or its net gain from operations before net realized capital gains of
            the insurer for the 12-month period ending the 31st day of the preceding year. Based on these restrictions, ordinary dividends of $0 can be paid in 2023 without prior approval of the Department. The Company paid no dividends in 2022, 2021, and
            2020.</font></div>
        <div style="padding-left:27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">Regulatory Risk-Based Capital</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">An insurance enterprise&#8217;s state of domicile imposes
            minimum risk-based capital requirements that were developed by the NAIC. The formulas for determining the amount of risk-based capital specify various weighting factors that are applied to financial balances or various levels of activity based
            on the perceived degree of risk. Regulatory compliance is determined by a ratio of an enterprise&#8217;s regulatory total adjusted capital to its authorized control level </font></div>
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          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
          <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
          <div style="margin-bottom:3pt;text-align:center"><br>
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        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">risk-based capital, as defined by the NAIC. Companies
            below specific trigger points or ratios are classified within certain levels, each of which requires specified corrective action. This ratio for the Company significantly exceeds required minimum thresholds as of December&#160;31, 2022 and 2021.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">(16)&#160;&#160;&#160;&#160;Direct Premiums Written by Third-Party Administrators</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company has direct premiums written by third-party
            administrators (TPAs). The types of business written by the TPAs include life, accidental death and dismemberment, medical, disability, excess risk, and LTC. The authority granted to the TPAs includes claims payment, claims adjustment,
            underwriting, binding authority, and premium collection. Total premiums written by TPAs were $2,268, $2,008, and $883 for 2022, 2021, and 2020, respectively. For the years ended December&#160;31, 2022, 2021, and 2020, there were no individual TPAs
            that wrote premiums that equaled at least 5% of the capital and surplus of the Company.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">(17)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Reconciliation to the Annual Statement</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company is required to file an Annual Statement
            with the Department. As of December&#160;31, 2022 and 2021, there is no difference in admitted assets or liabilities between this report and the Annual Statement. As of December&#160;31, 2022, 2021, and 2020, there is no difference in capital and surplus
            or net income between this report and the Annual Statement.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">(18)&#160;&#160;&#160;&#160;Commitments and Contingencies</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company may become subject to claims and lawsuits
            that arise in the ordinary course of business. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company is contingently liable for possible future
            assessments under regulatory requirements pertaining to insolvencies and impairments of unaffiliated insurance companies. Provision has been made for assessments currently received and assessments anticipated for known insolvencies.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The financial services industry, variable and fixed
            annuities, life insurance, distribution companies, and broker-dealers, is subject to close scrutiny by regulators, legislators, and the media.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Federal and state regulators, such as state insurance
            departments, state securities departments, the SEC, the Financial Industry Regulatory Authority, the Internal Revenue Service, and other regulatory bodies regularly make inquiries and conduct examinations or investigations concerning various
            selling practices, including suitability reviews, product exchanges, sales to seniors, and compliance with, among other things, insurance and securities law. The Company is and may become subject to ongoing market conduct examinations and
            investigations by regulators, which may have a material adverse effect on the Company. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">It can be expected that annuity and life product
            designs, management, and sales practices will be an ongoing source of regulatory scrutiny and enforcement actions, litigation, and rulemaking.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">These matters could result in legal precedents and new
            industry-wide legislation, rules, and regulations that could significantly affect the financial services industry, including life insurance and annuity companies. It is unclear at this time whether any such litigation or regulatory actions will
            have a material adverse effect on the Company in the future.</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">(19)&#160;&#160;&#160;&#160;Subsequent Events</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company has evaluated subsequent events through
            April 7, 2023, which is the date the Statutory Financial Statements were available to be issued. No material subsequent events have occurred since December&#160;31, 2022 that require adjustment to the Statutory Financial Statements. </font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">In March 2023, the Company received a capital
            contribution of $30,000 from Allianz Life.</font></div>
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          <div><a name="xx_c08c8dc7-6a72-4d0f-b661-f2d1c6432a1c_1"></a>
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              <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
                <div style="line-height:13.0pt;text-align:left;">
                  <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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Form N-4 Statement of Additional Information (SAI) contains additional information about the
                    Contract, Allianz Life of New York, 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;font-size:10pt;">allianzlife.com/new-york/prospectuses</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">. 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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The SEC maintains a website </font><font style="color:#0000FF;font-family:Times New Roman;font-size:10pt;">sec.gov</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">. 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;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Our Service Center</font></div>
                <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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-size:10pt;font-weight:bold;">(800) 624-0197</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
                <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">To send applications and/or 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;text-align:left;"> </div>
                <div style="margin-top:0.0pt;">
                  <table cellspacing="0" cellpadding="0" style="empty-cells:show;width:494pt;" id="z79186a2ce2aa4fa9b4eed2c393b86e8b">

                      <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:0.00pt;">To send applications and/or 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 New York</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 New York</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;">Minneapolis MN 55416-1297</font></div>
                          </div>
                        </td>
                      </tr>

                  </table>
                </div>
                <div style="line-height:0.0pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:1pt;">&#8195;</font></div>
                <div style="margin-top:0.0pt;">
                  <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="z612eb548d2df46fdb525f933b78ca320">

                      <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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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;font-size:10pt;">allianzlife.com/new-york</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">. 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;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">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:12.0pt;margin-top:6.0pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">EDGAR Contract ID No.: C000232732</font></div>
              </div>
              <div style="clear:both;"> </div>
              <div style="float:left;margin-left:50pt;margin-top:4pt;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-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;line-height:10pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> New York 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:#FFFFFF;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;Back Cover&#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><br>
          <div><br>
          </div>
        </div>
        <br>
      </div>
      <br style="line-height: 11.4pt;">
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div class="BRPFPageFooter"></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      <div class="BRPFPageHeader"></div>
    </div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="line-height: 10.85pt; margin-top: 0.15pt;"><br style="line-height: 10.85pt;">
    </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: 19.95pt; margin-top: 0.35pt;"><br style="line-height: 19.95pt;">
    </div>
    <div style="text-align: left; line-height: 11.4pt; font-family: 'Arial Narrow'; font-size: 10pt; font-weight: bold;">ITEM 13. OTHER EXPENSES OF ISSUANCE AND DISTRIBUTION.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 10.85pt; margin-top: 0.1pt;"><br style="line-height: 10.85pt;">
    </div>
    <table cellspacing="0" cellpadding="0" id="zecd4c4e491864eeaad2ff9b1a693581a" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="width: 49.99%; vertical-align: top;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="line-height: 12pt; margin-top: 5pt; font-family: 'Arial Narrow';">Securities and Exchange Commission Registration Fee</div>
          </td>
          <td style="width: 50.01%; vertical-align: middle;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: center; line-height: 12pt; margin-top: 5pt; font-family: 'Arial Narrow';">$ 25,760</div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.99%; vertical-align: top;">&#160;</td>
          <td style="width: 50.01%; vertical-align: middle;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: center; line-height: 12pt; margin-top: 5pt; font-family: 'Arial Narrow';">--------------</div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.99%; vertical-align: top;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="line-height: 12pt; margin-top: 5pt; font-family: 'Arial Narrow';">Estimated Printing and Filing Costs:</div>
          </td>
          <td style="width: 50.01%; vertical-align: middle;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: center; line-height: 12pt; margin-top: 5pt; font-family: 'Arial Narrow';">$ 30,000</div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.99%; vertical-align: top;">&#160;</td>
          <td style="width: 50.01%; vertical-align: middle;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: center; line-height: 12pt; margin-top: 5pt; font-family: 'Arial Narrow';">--------------</div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.99%; vertical-align: top;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="line-height: 12pt; margin-top: 5pt; font-family: 'Arial Narrow';">Estimated Accounting Fees:</div>
          </td>
          <td style="width: 50.01%; vertical-align: middle;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: center; line-height: 12pt; margin-top: 5pt; font-family: 'Arial Narrow';">$ 60,000</div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.99%; vertical-align: top;">&#160;</td>
          <td style="width: 50.01%; vertical-align: middle;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: center; line-height: 12pt; margin-top: 5pt; font-family: 'Arial Narrow';">---------------</div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.99%; vertical-align: top;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="line-height: 12pt; margin-top: 5pt; font-family: 'Arial Narrow';">Estimated Legal Fees:</div>
          </td>
          <td style="width: 50.01%; vertical-align: middle;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: center; line-height: 12pt; margin-top: 5pt; font-family: 'Arial Narrow';">$175,000</div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.99%; vertical-align: top;">&#160;</td>
          <td style="width: 50.01%; vertical-align: middle;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: center; line-height: 12pt; margin-top: 5pt; font-family: 'Arial Narrow';">---------------</div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.99%; vertical-align: top;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="line-height: 12pt; margin-top: 5pt; font-family: 'Arial Narrow';">Estimated Miscellaneous Fees:</div>
          </td>
          <td style="width: 50.01%; vertical-align: middle;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: center; line-height: 12pt; margin-top: 5pt; font-family: 'Arial Narrow';">N/A</div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.99%; vertical-align: top;">&#160;</td>
          <td style="width: 50.01%; vertical-align: middle;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: center; line-height: 12pt; margin-top: 5pt; font-family: 'Arial Narrow';">---------------</div>
          </td>
        </tr>

    </table>
    <div style="text-align: left; line-height: 11.4pt; margin-top: 6.7pt; font-family: 'Arial Narrow'; font-size: 10pt; font-weight: bold;">ITEM 14. INDEMNIFICATION OF OFFICERS AND DIRECTORS.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: left; line-height: 11.85pt; font-family: 'Arial Narrow'; font-size: 10pt;">The Bylaws of the Insurance Company provide:</div>
    <div style="line-height: 11.85pt;"><br style="line-height: 11.85pt;">
    </div>
    <div style="text-align: left; line-height: 11.85pt; font-family: 'Arial Narrow'; font-size: 10pt;">ARTICLE X</div>
    <div style="text-align: left; line-height: 11.85pt; font-family: 'Arial Narrow'; font-size: 10pt;">INDEMNIFICATION OF OFFICERS, DIRECTORS AND EMPLOYEES</div>
    <div style="line-height: 11.85pt;"><br style="line-height: 11.85pt;">
    </div>
    <div style="text-align: left; line-height: 11.85pt; font-family: 'Arial Narrow'; font-size: 10pt;">To the fullest extent allowed under New York law, the Company shall indemnify officers, directors and employees of the Company. No director shall be
      personally liable to the Company or any of its shareholders for damages for any breach of duty as a director; provided, however, that the foregoing provision shall not eliminate or limit (i) the liability of a director if a judgment or other final
      adjudication adverse to him or her establishes that his or her acts or omissions were in bad faith or involved intentional misconduct or were acts or omissions (a) which he or she knew or reasonably should have known violated the New York Insurance
      Law or (b) which violated a specific standard of care imposed on directors directly, and not by reference, by a provision of the New York Insurance Law (or any regulations promulgated thereunder) or (c) which constituted a knowing violation of any
      other law, or establishes that he or she personally gained in fact a financial profit or other advantage to which he or she was not legally entitled; or (ii) the liability of a director for any act or omission prior to adoption of these Restated
      Bylaws by the shareholders of the Company.</div>
    <div style="line-height: 11.85pt;"><br style="line-height: 11.85pt;">
    </div>
    <div style="text-align: left; line-height: 11.85pt; font-family: 'Arial Narrow'; font-size: 10pt;">Insofar as indemnification for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of
      the Insurance Company pursuant to the foregoing provisions, or otherwise, the Insurance Company has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and,
      is therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the Insurance Company of expenses incurred or paid by a director, officer or controlling person of the Insurance Company in
      the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the Insurance Company will, unless in the opinion of its counsel the matter has
      been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.</div>
    <div style="line-height: 11.85pt; margin-top: 6.05pt;"><br style="line-height: 11.85pt;">
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div class="BRPFPageFooter"></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      <div class="BRPFPageHeader"></div>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; margin-top: 0.1pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: left; line-height: 11.4pt; font-family: 'Arial Narrow'; font-size: 10pt; font-weight: bold;">ITEM 15. RECENT SALES OF UNREGISTERED SECURITIES.</div>
    <div style="line-height: 11.4pt; margin-top: 0.25pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: left; line-height: 11.4pt; font-family: 'Arial Narrow'; font-size: 10pt;">NOT APPLICABLE.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: left; line-height: 11.4pt; font-family: 'Arial Narrow'; font-size: 10pt; font-weight: bold;">ITEM 16. EXHIBITS AND FINANCIAL STATEMENT SCHEDULES.</div>
    <div style="line-height: 11.4pt; margin-top: 0.05pt;"><br style="line-height: 11.4pt;">
    </div>
    <div><font style="font-family: Calibri; font-size: 10pt;">(a)</font><font class="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size: 5.59pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: 'Arial Narrow'; font-size: 10pt; font-weight: bold;">Exhibits.</font></div>
    <div style="line-height: 11.4pt; margin-top: 0.35pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z78bd0317765f42e293b23b940a6781b5" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 22.5pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 1.05pt; line-height: 11.85pt; font-family: Calibri;">1.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.85pt; font-family: 'Arial Narrow';">(a) <a href="https://www.sec.gov/Archives/edgar/data/845775/0000928389-97-000126.txt">Principal Underwriter Agreement</a> by and between Preferred Life Insurance Company of New
                York on behalf of Preferred Life Variable Account C and NALAC Financial Plans, Inc. incorporated by reference as exhibit EX-99.B3.a. from Registrant&#8217;s Pre-Effective Amendment No. 1 to Form N-4 (File Nos. 333-19699 and 811-05716)
                electronically filed on May 12, 1997. Preferred Life Insurance Company of New York is the predecessor to Allianz Life Insurance Company of New York. Preferred Life Variable Account C is the predecessor to Allianz Life of NY Variable Account
                C. NALAC Financial Plans, Inc., is the predecessor to USAllianz Investor Services, LLC, which is the predecessor to Allianz Life Financial Services, LLC.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z78cec851213c42518cf82e219fcc017b" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 4.8pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 22.5pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 7.5pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: Calibri;">(b)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-indent: 13.25pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/845775/000084577510000037/ex99b3bbdagreement.htm">Broker-Dealer Agreement</a> (amended
                and restated) between Allianz Life Insurance Company of New York and Allianz Life Financial Services, LLC, dated June 1, 2010 incorporated by reference as exhibit EX- 99.B3.b. from Registrant&#8217;s Post-Effective Amendment No. 21 to Form N-4
                (File Nos. 333-143195 and 811-05716) electronically filed on October 21, 2010.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z566de6e606fb44da8a5c7d68614885f1" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 4.8pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 22.5pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 7.5pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: Calibri;">(c)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Arial Narrow';">The current specimen of the <a href="https://www.sec.gov/Archives/edgar/data/836346/000083634606000054/file002.txt">selling agreement</a> between Allianz Life
                Financial Services, LLC, the principal underwriter for the Contracts, and retail brokers which offer and sell the Contracts to the public is incorporated by reference as exhibit EX-99.B3.b from the Initial Registration Statement to Allianz
                Life Variable Account B&#8217;s Form N-4 (File Nos.333-134267 and 811-05618) electronically filed on May 19, 2006. The underwriter has executed versions of the agreement with approximately 2,100 retail brokers.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z5bed7c8a738343d4bf0339f856d153d6" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 4.8pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 22.5pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; line-height: 11.4pt; margin-top: 4.8pt; font-family: Calibri;">2.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.4pt; margin-top: 4.8pt; font-family: 'Arial Narrow';">Not applicable</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="ze5d74acd40e9429ea36a2be74036d49c" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 5.3pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 22.5pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; line-height: 11.85pt; margin-top: 5.3pt; font-family: Calibri;">3.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.85pt; margin-top: 5.3pt; font-family: 'Arial Narrow';">(a) <a href="https://www.sec.gov/Archives/edgar/data/80019/000008001913000007/ex3a.htm">Articles of Incorporation, as amended and
                  restated March 9, 2011</a>, of Allianz Life Insurance Company of New York, filed on December 19, 2013 as Exhibit 3(a) to Registrant's initial registration on Form S-1 (File No. 333-192948), is incorporated by reference.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: left; text-indent: -13.5pt; margin-left: 22.5pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Arial Narrow'; font-size: 10pt;">(b) <a href="https://www.sec.gov/Archives/edgar/data/80019/000008001913000007/ex3b.htm">Bylaws,

        as amended and restated March 9, 2011</a>, of Allianz Life Insurance Company of New York, filed on December 19, 2013 as Exhibit 3(b) to Registrant's initial registration on Form S-1 (File No. 333-192948), is incorporated by reference.</div>
    <div style="text-align: left; text-indent: -22.5pt; margin-left: 22.5pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Arial Narrow'; font-size: 10pt;">4. (a) <a href="https://www.sec.gov/Archives/edgar/data/80019/000008001922000017/contract.htm">Individual Flexible Purchase Payment Variable and Index-Linked Deferred Annuity Contract, L40538-NY03</a><font style="font-weight: bold;">, </font>filed on August
      1, 2022, as Exhibit 4(a) to Registrant's Pre-Effective Amendment No. 2 on Form S-1 (File No. 333-259863), is incorporated by reference.</div>
    <div style="text-align: left; text-indent: -15.95pt; margin-left: 22.5pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Arial Narrow'; font-size: 10pt;">&#160;(b) <a href="https://www.sec.gov/Archives/edgar/data/80019/000008001922000017/schedulepages.htm">Contract Schedule Pages, S40875-NY02 and S40876-NY03</a>, filed on August 1, 2022, as Exhibit 4(b) to Registrant's Pre-Effective Amendment No. 2 on Form S-1
      (File No. 333-259863), is incorporated by reference.</div>
    <div style="text-align: left; text-indent: -13.45pt; margin-left: 22.5pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Arial Narrow'; font-size: 10pt;">(c)<font style="font-family: 'Times New Roman';">&#160;</font><a href="https://www.sec.gov/Archives/edgar/data/80019/000008001914000005/ex4c.htm">Application for Individual Annuity Contract, F40538-NY</a>, as revised 5/2014, filed on December 8, 2014, as Exhibit 4(c) to Registrant's Post-Effective Amendment No.
      1 on Form S-1, is incorporated by reference. <a href="https://www.sec.gov/Archives/edgar/data/80019/000008001915000002/ex4cindadvnyapplication.htm">Application for Ind. Var. Annuity Contract &#8211; F40538-02-NY (5/2015)</a>, filed on April 20, 2015, as
      Exhibit 4(c) to Registrant's Post-Effective Amendment No. 2 on Form S-1 (File No. 333-192948), is incorporated by reference.</div>
    <div style="text-align: justify; text-indent: -13.5pt; margin-left: 22.5pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Arial Narrow'; font-size: 10pt;">(d)<font style="font-family: 'Times New Roman';">&#160;</font><a href="https://www.sec.gov/Archives/edgar/data/80019/000008001915000002/ex4findadvnyschedpgs.htm">Allocation Options Schedule page S40876-NY01 (5/2015)</a>, filed on April 20, 2015, as Exhibit 4(f) to Registrant's Post-Effective Amendment No. 2 on
      Form S-1 (File No. 333-192948), is incorporated by reference.</div>
    <div style="text-align: justify; text-indent: -13.45pt; margin-left: 22.5pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Arial Narrow'; font-size: 10pt;">(e)<font style="font-family: 'Times New Roman';">&#160;</font><a href="https://www.sec.gov/Archives/edgar/data/80019/000008001915000002/ex4indadvnyapplapr202015.htm">Variable and Index-Linked Annuity Contract L40538-NY01 (5/2015)</a>, filed on April 20, 2015, as Exhibit 4(g) to Registrant's Post-Effective
      Amendment No. 2 on Form S-1 (File No. 333-192948), is incorporated by reference.</div>
    <table cellspacing="0" cellpadding="0" id="z19b066c6a8f8457c8a6fa94650dbfe9c" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-top: 4.8pt;">

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          <td style="width: 22.5pt; vertical-align: top; font-family: 'Arial Narrow';">5.*</td>
          <td style="width: auto; vertical-align: top;">
            <div style="font-family: 'Arial Narrow';"><a href="ex5.htm">Opinion re Legality</a></div>
          </td>
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    </table>
    <div>
      <table cellspacing="0" cellpadding="0" id="z658eae6de8fe442da9c6f14c14576d46" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 5.3pt; margin-bottom: 6pt; width: 100%; text-align: left; color: #000000;">

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            <td style="width: 22.3pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; line-height: 11.4pt; margin-top: 5.3pt; margin-bottom: 6pt; font-family: Calibri;">8.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.4pt; margin-top: 5.3pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">Opinion re Tax Matters - not applicable</div>
            </td>
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    </div>
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      <table cellspacing="0" cellpadding="0" id="z708521381b1145bcaf78ade01f493640" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 2.45pt; width: 100%; text-align: left; color: #000000;">

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            <td style="width: 22.5pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; line-height: 11.4pt; margin-top: 2.45pt; font-family: Calibri;">9.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.4pt; margin-top: 2.45pt; font-family: 'Arial Narrow';">Not applicable</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zacc0bebbf2eb4ebf9662cae61bea724f" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 2.45pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 22.5pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; line-height: 11.4pt; margin-top: 2.45pt; font-family: Calibri;">10.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.4pt; margin-top: 2.45pt; font-family: 'Arial Narrow';">Material Contracts - not applicable</div>
            </td>
          </tr>

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    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z92328d47e8b34ead95136905bf72c354" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 5.3pt; width: 100%; text-align: left; color: #000000;">

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            <td style="width: 22.5pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; line-height: 11.4pt; margin-top: 5.3pt; font-family: Calibri;">11.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.4pt; margin-top: 5.3pt; font-family: 'Arial Narrow';">Not applicable</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z5dd65752ffc049b8be5c0589548f5b19" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 5.3pt; width: 100%; text-align: left; color: #000000;">

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            <td style="width: 22.5pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; line-height: 11.4pt; margin-top: 5.3pt; font-family: Calibri;">12.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.4pt; margin-top: 5.3pt; font-family: 'Arial Narrow';">Not applicable</div>
            </td>
          </tr>

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    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div class="BRPFPageFooter"></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
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    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
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      <table cellspacing="0" cellpadding="0" id="zd82529efe0c9483bb777a7613b9cf2a0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 5.3pt; width: 100%; text-align: left; color: #000000;">

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            <td style="width: 18pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; line-height: 11.4pt; margin-top: 5.3pt; font-family: Calibri;">15.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.4pt; margin-top: 5.3pt; font-family: 'Arial Narrow';">Not applicable</div>
            </td>
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    <div>
      <table cellspacing="0" cellpadding="0" id="zb5a40a2a78a542479b12d9970567bfe9" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 5.3pt; width: 100%; text-align: left; color: #000000;">

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            <td style="width: 18pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; line-height: 11.4pt; margin-top: 5.3pt; font-family: Calibri;">16.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.4pt; margin-top: 5.3pt; font-family: 'Arial Narrow';">Not applicable</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: left; text-indent: -13.5pt; margin-left: 13.5pt; line-height: 11.4pt; margin-top: 5.3pt; font-family: 'Arial Narrow'; font-size: 10pt;">21.&#160;&#160; Not applicable.</div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z5c1e5b4e9a9b4e52945b11c6aea78ddb" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 5.3pt; width: 100%; text-align: left; color: #000000;">

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            <td style="width: 13.5pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; line-height: 16.6pt; margin-top: 5.3pt; font-family: Calibri;">23.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-indent: 14.1pt; line-height: 16.6pt; margin-top: 5.3pt; font-family: 'Arial Narrow';">(a)* <a href="ex23a.htm">Consent of Independent Registered
                  Public Accounting Firm.</a></div>
            </td>
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      </table>
    </div>
    <div style="text-align: left; line-height: 16.6pt; font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160; &#160; &#160;&#160; &#160; (b)&#160;&#160; Consent of Counsel, filed as Exhibit 5 to this Registration Statement.</div>
    <div style="text-align: left; text-indent: -22.5pt; margin-left: 22.5pt; line-height: 11.85pt; margin-top: 0.2pt; font-family: 'Arial Narrow'; font-size: 10pt;">24.&#160;&#160; &#160;&#160; (a) <a href="https://www.sec.gov/Archives/edgar/data/80019/000008001913000007/ex24b.htm">Board Resolution, effective December 11, 2012</a>, of the Board of Directors of Allianz Life Insurance Company of North America, filed on December 19, 2013 as Exhibit
      24(b) to Registrant's initial registration on Form S-1 (File No. 333-192948), is incorporated by reference.</div>
    <div style="text-align: left; text-indent: -13.45pt; margin-left: 22.5pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Arial Narrow'; font-size: 10pt;">&#160; &#160; &#160;&#160; (b) <a href="https://www.sec.gov/Archives/edgar/data/80019/000119312514179966/d687696dex24d.htm">Board Resolution, effective March 6, 2014</a>, of the Board of Directors of Allianz Life Insurance Company of New York, filed on May 2, 2014 as Exhibit 24(d)
      to Registrant's Pre-Effective Amendment No. 1 on Form S-1 (File No. 333-192948), is incorporated by reference.</div>
    <div style="text-align: left; text-indent: -13.45pt; margin-left: 22.5pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Arial Narrow'; font-size: 10pt;">&#160; &#160; &#160;&#160; (c)*<a href="ex24c.htm"> Powers of Attorney</a></div>
    <div style="text-align: left; text-indent: -12.55pt; margin-left: 12.55pt; line-height: 11.4pt; margin-top: 4.8pt; font-family: 'Arial Narrow'; font-size: 10pt;">25. Not applicable</div>
    <div style="text-align: left; text-indent: -12.55pt; margin-left: 12.55pt; line-height: 11.4pt; margin-top: 5.3pt; font-family: 'Arial Narrow'; font-size: 10pt;">26. Not applicable</div>
    <div style="text-align: left; text-indent: -22.5pt; margin-left: 22.5pt; line-height: 11.85pt; margin-top: 6.5pt; font-family: 'Arial Narrow'; font-size: 10pt;">99. (a) <a href="https://www.sec.gov/Archives/edgar/data/80019/000008001922000017/ex99a.htm">Appendix A Exhibit &#8211; Daily Adjustment Calculation</a> &#8211; INY-024b (08/22), filed on August 1, 2022, as Exhibit 24(c) to Registrant's Initial Registration Statement on
      Form S-1 (File No. 333-259863), is incorporated by reference.</div>
    <table cellspacing="0" cellpadding="0" id="z343f721714e9417a93b83775e7071ee1" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 5pt; margin-top: 6pt;">

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          <td style="width: -4.5pt;"><br>
          </td>
          <td style="width: 27pt; vertical-align: top; font-family: 'Arial Narrow';">107.*</td>
          <td style="width: auto; vertical-align: top;">
            <div style="font-family: 'Arial Narrow';"><a href="ex107.htm">Filing Fee Table</a></div>
          </td>
        </tr>

    </table>
    <div style="text-align: left; margin-left: 22.5pt; line-height: 11.4pt; margin-top: 6.75pt; font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;* Filed herewith</div>
    <div style="text-align: left; margin-left: 22.3pt; line-height: 11.4pt; font-family: 'Arial Narrow'; font-size: 10pt;">** To be filed by amendment</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="margin-top: 5.9pt;"><font style="font-family: Calibri; font-size: 10pt;">(b)</font><font class="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size: 5.29pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: 'Arial Narrow'; font-size: 10pt; font-weight: bold;">Financial Statement Schedules</font></div>
    <div style="text-align: left; line-height: 11.85pt; margin-top: 6.5pt; font-family: 'Arial Narrow'; font-size: 10pt;">All required financial statement schedules of Allianz Life Insurance Company of New York are included in Part I of this registration
      statement.</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div class="BRPFPageFooter"></div>
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      <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: 11.4pt; font-family: 'Arial Narrow'; font-size: 10pt; font-weight: bold;">ITEM 17. UNDERTAKINGS.</div>
    <div style="line-height: 10.25pt; margin-top: 0.25pt;"><br style="line-height: 10.25pt;">
    </div>
    <div style="text-align: left; line-height: 11.4pt; font-family: 'Arial Narrow'; font-size: 10pt;">The undersigned registrant hereby undertakes pursuant to Item 512 of Regulation S-K:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zd2cb8c8e51a541ec9c21c7b7ca689228" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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              <div style="text-align: left; line-height: 11.4pt; font-family: Calibri;">(1)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.4pt; font-family: 'Arial Narrow';">To file, during any period in which offers or sales are being made, a post-effective amendment to this registration statement:</div>
            </td>
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    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z42532e850a18497e997fdc463598b92f" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 5.9pt; width: 100%; text-align: left; color: #000000;">

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            <td style="width: 18pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt; line-height: 11.4pt; margin-top: 5.9pt; font-family: Calibri;">(i)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-indent: 18pt; line-height: 11.4pt; margin-top: 5.9pt; font-family: 'Arial Narrow';">To include any prospectus required by section 10(a)(3) of the Securities Act of 1933;</div>
            </td>
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      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z4799b019b7da4fa4b5c31b733598b8db" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 2.65pt; width: 100%; text-align: left; color: #000000;">

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            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt; line-height: 11.85pt; margin-top: 2.65pt; font-family: Calibri;">(ii)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.85pt; margin-top: 2.65pt; font-family: 'Arial Narrow';">To reflect in the prospectus any facts or events arising after the effective date of the registration statement (or the most recent post-effective amendment
                thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the registration statement. Notwithstanding the foregoing, any increase or decrease in volume of securities offered (if the
                total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum offering range may be reflected in the form of prospectus filed with the Commission
                pursuant to Rule 424(b) if, in the aggregate, the changes in volume and price represent no more than a 20% change in the maximum aggregate offering price set forth in the "Calculation of Registration Fee" table in the effective registration
                statement.</div>
            </td>
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      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z0beb878a01574be1820cab099f103290" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 2.05pt; width: 100%; text-align: left; color: #000000;">

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            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt; line-height: 11.75pt; margin-top: 2.05pt; font-family: Calibri;">(iii)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.75pt; margin-top: 2.05pt; font-family: 'Arial Narrow';">To include any material information with respect to the plan of distribution not previously disclosed in the registration statement or any material change to
                such information in the registration statement.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z0205c391564b45d0855463550cb05695" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 2.3pt; width: 100%; text-align: left; color: #000000;">

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            <td style="width: 18pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; line-height: 11.85pt; margin-top: 2.3pt; font-family: Calibri;">(2)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.85pt; margin-top: 2.3pt; font-family: 'Arial Narrow';">That, for the purpose of determining any liability under the Securities Act of 1933, each such post-effective amendment shall be deemed to be a new
                registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zdf25df4750de455b954e40126838ae26" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 18pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; line-height: 11.85pt; margin-top: 6pt; font-family: Calibri;">(3)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.85pt; margin-top: 6pt; font-family: 'Arial Narrow';">To remove from registration by means of a post-effective amendment any of the securities being registered which remain unsold at the termination of the offering.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z9c7b823edbc742a18a6aea655993c6b8" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 18pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; line-height: 11.85pt; margin-top: 6pt; font-family: Calibri;">(4)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.85pt; margin-top: 6pt; font-family: 'Arial Narrow';">That, for the purpose of determining liability under the Securities Act of 1933 to any purchaser, each prospectus filed pursuant to Rule 424(b) as part of a
                registration statement relating to an offering, other than registration statements relying on Rule 430B or other than prospectuses filed in reliance on Rule 430A, shall be deemed to be part of and included in the registration statement as
                of the date it is first used after effectiveness. Provided, however, that no statement made in a registration statement or prospectus that is part of the registration statement or made in a document incorporated or deemed incorporated by
                reference into the registration statement or prospectus that is part of the registration statement will, as to a purchaser with a time of contract of sale prior to such first use, supersede or modify any statement that was made in the
                registration statement or prospectus that was part of the registration statement or made in any such document immediately prior to such date of first use.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zd542925ae85446f6bfea02a393d4ff9d" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 18pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; line-height: 11.85pt; margin-top: 6pt; font-family: Calibri;">(5)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.85pt; margin-top: 6pt; font-family: 'Arial Narrow';">That, for the purpose of determining liability of the registrant under the Securities Act of 1933 to any purchaser in the initial distribution of the securities:
                The undersigned registrant undertakes that in a primary offering of securities of the undersigned registrant pursuant to this registration statement, regardless of the underwriting method used to sell the securities to the purchaser, if the
                securities are offered or sold to such purchaser by means of any of the following communications, the undersigned registrant will be a seller to the purchaser and will be considered to offer or sell such securities to such purchaser:</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
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          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt; line-height: 11.75pt; margin-top: 6pt; font-family: Calibri;">(i)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.75pt; margin-top: 6pt; font-family: 'Arial Narrow';">Any preliminary prospectus or prospectus of the undersigned registrant relating to the offering required to be filed pursuant to Rule 424;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z122fabacaf044e2793d77924e8ffdcd4" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 2.3pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt; line-height: 11.75pt; margin-top: 2.3pt; font-family: Calibri;">(ii)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.75pt; margin-top: 2.3pt; font-family: 'Arial Narrow';">Any free writing prospectus relating to the offering prepared by or on behalf of the undersigned registrant or used or referred to by the undersigned
                registrant;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z97af7d81d07d45ccbaa176adfad4736c" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 2.15pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt; line-height: 11.75pt; margin-top: 2.15pt; font-family: Calibri;">(iii)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.75pt; margin-top: 2.15pt; font-family: 'Arial Narrow';">The portion of any other free writing prospectus relating to the offering containing material information about the undersigned registrant or its securities
                provided by or on behalf of the undersigned registrant; and</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z4592c0b0838c4257a47889d561f24cd7" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 2.3pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt; line-height: 11.4pt; margin-top: 2.3pt; font-family: Calibri;">(iv)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.4pt; margin-top: 2.3pt; font-family: 'Arial Narrow';">Any other communication that is an offer in the offering made by the undersigned registrant to the purchaser.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zc350e5c4c8864e11a2a391e3d31bd533" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.5pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 18pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; line-height: 11.85pt; margin-top: 6.5pt; font-family: Calibri;">(6)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.85pt; margin-top: 6.5pt; font-family: 'Arial Narrow';">Insofar as indemnification for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of the
                Insurance Company pursuant to the foregoing provisions, or otherwise, the Insurance Company has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act
                and, is therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the Insurance Company of expenses incurred or paid by a director, officer or controlling person of the
                Insurance Company in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the Insurance Company will, unless in the opinion
                of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the
                final adjudication of such issue.</div>
            </td>
          </tr>

      </table>
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      <div class="BRPFPageFooter"></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
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    </div>
    <div style="line-height: 0pt;"><br style="line-height: 0pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt; margin-top: 2.5pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">SIGNATURES</div>
    <div style="line-height: 9.7pt; margin-top: 0.55pt;"><br style="line-height: 9.7pt;">
    </div>
    <div style="text-align: left; margin-right: 19.8pt; margin-left: 18pt; line-height: 12pt; font-family: 'Times New Roman'; font-size: 10pt;">Pursuant to the requirements of the Securities Act of 1933, the registrant has duly caused this registration
      statement to be signed on its behalf by the undersigned, thereunto duly authorized, in the City of Minneapolis, State of Minnesota, on this 17th day of April, 2023.</div>
    <div style="text-align: left; margin-right: 19.8pt; margin-left: 18pt; line-height: 11.4pt; margin-top: 6.25pt; font-family: 'Times New Roman'; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;ALLIANZ LIFE
      INSURANCE COMPANY OF NEW YORK</div>
    <div style="text-align: center; margin-right: 19.8pt; margin-left: 18pt; line-height: 17.8pt; margin-top: 6.5pt; font-family: 'Times New Roman'; font-size: 10pt;">By: <u>/s/ Jasmine M. Jirele*</u></div>
    <div style="text-align: left; margin-right: 20.15pt; margin-left: 216pt; line-height: 11.4pt; font-family: 'Times New Roman'; font-size: 10pt;">Jasmine M. Jirele</div>
    <div style="text-align: left; margin-right: 20.15pt; margin-left: 216pt; line-height: 11.4pt; font-family: 'Times New Roman'; font-size: 10pt;">Chief Executive Officer</div>
    <div style="line-height: 16.55pt; margin-top: 0.05pt;"><br style="line-height: 16.55pt;">
    </div>
    <div style="text-align: left; margin-right: 19.8pt; margin-left: 18pt; line-height: 11.9pt; font-family: 'Times New Roman'; font-size: 10pt;">Pursuant to the requirements of the Securities Act of 1933, this registration statement has been signed by the
      following persons in the capacities indicated on April 17, 2023.</div>
    <div style="line-height: 11.9pt;"><br style="line-height: 11.9pt;">
    </div>
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          <td style="width: 49.93%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="margin-right: 19.8pt; line-height: 11.9pt; margin-bottom: 6pt; font-family: 'Arial Narrow'; font-weight: bold;">Signature</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
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          <td style="width: 50.07%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="margin-right: 19.8pt; line-height: 11.9pt; margin-bottom: 6pt; font-family: 'Arial Narrow'; font-weight: bold;">Title</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
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        <tr>
          <td style="width: 49.93%; vertical-align: top; border-top: #000000 2px solid;">
            <div style="margin-right: 20.15pt; line-height: 11.4pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">Jasmine M. Jirele<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">*</sup></div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 50.07%; vertical-align: top; border-top: #000000 2px solid;">
            <div style="margin-right: 20.15pt; line-height: 11.4pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">Director, Board Chair and Chief Executive Officer</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.93%; vertical-align: top;">
            <div style="margin-right: 20.15pt; line-height: 11.4pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">Eric Thomes<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">*</sup></div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 50.07%; vertical-align: top;">
            <div style="margin-right: 20.15pt; line-height: 11.4pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">Director and President</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.93%; vertical-align: top;">
            <div style="margin-right: 20.15pt; line-height: 11.4pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">Gary A. Smith<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">*</sup></div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 50.07%; vertical-align: top;">
            <div style="margin-right: 20.15pt; line-height: 11.4pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">Director</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.93%; vertical-align: top;">
            <div style="margin-right: 20.15pt; line-height: 11.4pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">Martha Clark Goss<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">*</sup></div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 50.07%; vertical-align: top;">
            <div style="margin-right: 20.15pt; line-height: 11.4pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">Director</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.93%; vertical-align: top;">
            <div style="margin-right: 20.15pt; line-height: 11.4pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">Ronald M. Clark<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">*</sup></div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 50.07%; vertical-align: top;">
            <div style="margin-right: 20.15pt; line-height: 11.4pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">Director</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.93%; vertical-align: top;">
            <div style="margin-right: 20.15pt; line-height: 11.4pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">William E. Gaumond<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">*</sup></div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 50.07%; vertical-align: top;">
            <div style="margin-right: 20.15pt; line-height: 11.4pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">Director, Chief Financial Officer and Treasurer</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.93%; vertical-align: top;">&#160;</td>
          <td style="width: 50.07%; vertical-align: top;">
            <div style="margin-right: 20.15pt; line-height: 11.4pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">(principal accounting officer)</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.93%; vertical-align: top;">
            <div style="margin-right: 20.15pt; line-height: 12pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">Jesse J. Kling*</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 50.07%; vertical-align: top;">
            <div style="margin-right: 20.15pt; line-height: 11.4pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">Director, Vice President and Appointed Actuary</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.93%; vertical-align: top;">
            <div style="margin-right: 20.15pt; line-height: 11.4pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">Lorraine Lods <sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">*</sup></div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 50.07%; vertical-align: top;">
            <div style="margin-right: 20.15pt; line-height: 11.4pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">Director</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.93%; vertical-align: top;">
            <div style="margin-right: 20.15pt; line-height: 11.4pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">Kevin E. Walker<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">*</sup></div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 50.07%; vertical-align: top;">
            <div style="margin-right: 20.15pt; line-height: 11.4pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">Director</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
        </tr>

    </table>
    <div style="line-height: 11.9pt;"><br style="line-height: 11.9pt;">
    </div>
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        <tr>
          <td style="width: 3.6pt;"><br>
          </td>
          <td style="width: 10.8pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 8pt;">*</td>
          <td style="width: auto; vertical-align: top;">
            <div style="font-family: 'Times New Roman'; font-size: 8pt;">By Power of Attorney, filed as Exhibit 24(c) to this Registration Statement.</div>
          </td>
        </tr>

    </table>
    <div style="line-height: 9.1pt;"><br style="line-height: 9.1pt;">
    </div>
    <div style="line-height: 10.25pt;"><br style="line-height: 10.25pt;">
    </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 class="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size: 5pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></div>
    <div style="text-align: left; line-height: 12pt; font-family: 'Times New Roman'; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Erik T. Nelson</div>
    <div style="text-align: left; line-height: 12pt; font-family: 'Times New Roman'; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Associate General Counsel, Senior Counsel</div>
    <div style="line-height: 12pt; margin-bottom: 6pt;"><br style="line-height: 12pt;">
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    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt; margin-top: 2.5pt; margin-bottom: 6pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">FORM S-1</div>
    <div style="text-align: center; line-height: 22.7pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</div>
    <div style="text-align: center; line-height: 22.7pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">INDEX TO EXHIBITS</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 10.25pt; margin-top: 0.4pt;"><br style="line-height: 10.25pt;">
    </div>
    <table cellspacing="0" cellpadding="0" id="z9b5c9b64e8e747d4a1c3057810251523" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="width: 14.43%; vertical-align: top; border-bottom: #000000 2px solid;" colspan="2">
            <div style="text-align: right; line-height: 11.4pt; font-family: 'Times New Roman'; font-weight: bold;">Exhibit</div>
          </td>
          <td style="width: 85.57%; vertical-align: top; border-bottom: #000000 2px solid;" colspan="3">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman'; font-weight: bold;">Description of Exhibit</div>
          </td>
        </tr>
        <tr>
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As filed with the Securities and Exchange Commission on April 17, 2023                   
            Registration No. 333-____________
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM S-1 REGISTRATION STATEMENT
UNDER THE SECURITIES ACT OF 1933
Allianz Life Insurance Company of New York
(Exact name of Registrant as specified in its charter)
New York
(State or other jurisdiction of incorporation or organization)
6311
(Primary Standard Industrial Classification Code Number)
13-3191369
(I.R.S. Employer
Identification No.)
1633 Broadway, 42
nd
Floor,
New York, New York 10019
(212) 586-7733
(Address, including zip code, and telephone number, including area code, of Registrant's principal
      executive offices)
Erik T. Nelson, Esq.
Allianz Life Insurance Company of North America
5701 Golden Hills Drive Minneapolis, MN 55416
(763) 765-7453
(Name, address, including zip code, and telephone number, including area code, of agent for
      service)
Approximate date of commencement of proposed sale to the public:
As soon as practicable after this registration statement becomes effective.
If any of the securities being registered on this Form are to be offered on a delayed or
      continuous basis pursuant to Rule 415 under the Securities Act of 1933, check the following box. [X]
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated
      filer, a non-accelerated filer, or a smaller reporting company. See the definitions of "large accelerated filer," "accelerated filer" and "smaller reporting company" in Rule 12b-2 of the Exchange Act.
Large accelerated filer
[   ]
Accelerated filer
[   ]
Non-accelerated filer
[X]
Smaller reporting company [   ]
(Do not check if a smaller reporting company)
The Registrant hereby amends this registration statement on such date or dates as may be
      necessary to delay its effective date until the Registrant shall file a further amendment which specifically states that this registration statement shall thereafter become effective in accordance with Section 8(a) of the Securities Act of 1933 or
      until the registration statement shall become effective on such date as the Securities and Exchange Commission, acting pursuant to said Section 8(a), may determine.
PART I PROSPECTUS
ALLIANZ Index Advantage
®
New York VARIABLE ANNUITY CONTRACT
issued on or after January 1, 2023
Issued by Allianz Life of NY Variable Account C and Allianz Life Insurance Company of New
                  York (Allianz Life of New York, we, us, our)
The information in this prospectus
                              is not complete and may be changed. We cannot sell Allianz Index Advantage
®
New York 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 of New York. Allianz Life Financial Services, LLC distributes the Contracts.
The Contract allows you to allocate your money (Purchase Payments) and any earnings among the Contract's
                  investment options (Allocation Options), which currently include index-linked investment options (Index Options) and variable investment options (Variable Options).
•
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 Buffer 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. The maximum potential loss from negative Index Returns is: -90% with a 10% Buffer, -80% with
                      a 20% Buffer, and -70% with a 30% Buffer.
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.
Each Index Option also has a Capped upside feature that puts an upper limit on positive Index Return that may be credited for a Term. Multi-year Term Index Options also
                      have a Participation Rate that may allow you to receive more than the positive Index Return.
•
Variable Options.
The Variable Options performance is based on the securities in which they invest.
We expect to add or remove Variable Options, and to add Index Options, from time to time.
With prior written notice we may also make the following Index Options temporarily unavailable on Term Start Dates occurring on or after the sixth Index
                  Anniversary:
•
Index Protection NY Strategy 1-year Term with 30% Buffer
                      and 3% minimum Cap; and
•
Index Performance Strategy 3-year Term with 20% Buffer,
                      12% minimum Cap, and 100% minimum Participation Rate.
Temporary unavailability may last for a year or more if we are unable to support the minimum Cap due to
                  yield on investments or the availability or cost of hedging.
We cannot make an Index Option permanently unavailable or remove it from the
                  Contract after issue. We also cannot make an Index Option temporarily unavailable before the sixth Index Anniversary, during a Term, or at any other time, or for any other reason.
We cannot make the following Index Performance Strategy Index Options temporarily
                  unavailable:
•
1-year Term with 10% Buffer and 5% minimum Cap;
•
3-year Term with 10% Buffer, 15% minimum Cap, and 100%
                      minimum Participation Rate; and
•
6-year Term with 10% Buffer, 30% minimum Cap, and 100%
                      minimum Participation Rate.
We establish the Index Options that we cannot make temporarily unavailable when we issue your Contract and
                  we cannot change them. Any new Index Option we add to your Contract after issue will indicate if it can be made temporarily unavailable or not. These Buffers and minimum Caps and Participation Rates for each Index Option, respectively,
                  will not change for life of the Contract.
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.
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. Before investing, 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 17 of this prospectus.
Allianz Index Advantage
®
New York Variable Annuity Prospectus – May 1, 2023
1
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, positively or negatively. In extreme circumstances the Daily Adjustment could result in a loss beyond the protection of the Buffer. The maximum potential loss from a negative Daily Adjustment is -99%. 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.
Such losses will be greater if you take a withdrawal (including any financial adviser fees that you choose to have us pay from this Contract) that is subject to a withdrawal
                  charge, or is a deduction of Contract fees and expenses.
If you have Index Options with different Term End Dates, there may be no time that
                  any such transaction can be performed without the application of at least one Daily Adjustment.
A withdrawal charge also applies if you take a withdrawal within six years of your last
                  Purchase Payment.
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 are subject to withdrawal charges, and, if withdrawn on a
                  day other than a Term End Date, we apply the Daily Adjustment (which can be negative) to the Contract Value before deducting the withdrawal.
Withdrawals will reduce the Contract Value and Guaranteed Death Benefit Value (perhaps
                  significantly and by more than the amount withdrawn), and are subject to federal and state income taxes (including a 10% additional federal tax).
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 obligations and guarantees under the Contract, including
                  index-linked returns (Performance Credits), are the obligations of Allianz Life of New York and are subject to our claims-paying ability and financial strength.
Please read this prospectus before investing and keep it for future reference. The prospectus describes
                  all material rights and obligations of purchasers under the Contract. It contains important information about the Contract and Allianz Life of New York that you ought to know before investing. 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 currently is offered only in New York. This prospectus is not
                  offered in any state, country, or jurisdiction in which we are not authorized to sell the Contracts. You should rely only on the information contained in this prospectus. We have not authorized anyone to give you different information.
If you are a new investor in the Contract, you may cancel your Contract within 10 days of receiving it
                  without paying fees or penalties. Upon cancellation, you will receive your total Contract Value. 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
®
New York Variable Annuity Prospectus – May 1, 2023
2
TABLE OF CONTENTS
Glossary
5
Important Information You Should
                                Consider
About the Contract
9
Overview of the Contract
13
What Is the Purpose of the Contract?
13
What Are the Phases of the Contract?
14
What Are the Contract's Primary
                                Features?
15
Fee Tables
16
Transaction Expenses
16
Annual Contract Expenses
16
Annual Variable Option Expenses
17
Example
17
Risk Factors
17
Liquidity Risks
17
Risks of Investing in Securities
18
Risk of Negative Returns
19
Managed Volatility Variable Option Risk
20
Risks Associated with Calculation of
Performance Credits
20
Risks Associated with Performance Locks
20
Risks Associated with Substitution of an
Index
21
Risks Associated with Changes to Caps and
Participation Rates, and Temporary
Unavailability of Index Options
21
Risks Associated with Investment in
Derivative Hedging Instruments
23
Risks of Deducting Financial Adviser Fees
from the Contract
24
Risks Associated with Our Financial Strength
and Claims-Paying Ability
24
Regulatory Protections
24
1.
The Contract
24
Financial Adviser Fees
25
When the Contract Ends
27
2.
Ownership, Annuitant, Determining
                                Life,
Beneficiary, and Payee
27
Owner
27
Joint Owner
27
Annuitant
27
Determining Life (Lives)
28
Beneficiary
28
Payee
29
Assignments, Changes of Ownership and
Other Transfers of Contract Rights
29
3.
Purchasing the Contract
29
Purchase Requirements
29
Applications Sent Electronically
30
Allocation of Purchase Payments and
Contract Value Transfers
30
Automatic Investment Plan (AIP)
32
Free Look/Right to Examine Period
32
4.
Valuing Your Contract
33
Determining Variable Account Value
33
How the Crediting Methods Work
34
Comparing Crediting Methods
35
Bar Chart Examples of Crediting Method
Performance
36
Determining Index Option Values
38
Calculating Performance Credits
40
Daily Adjustment
41
Performance Locks
42
Optional Reallocation Program for the 1-year
Term Index Options
43
5.
Variable Options
43
Substitution of Variable Options and Limitation
on Further Investments
44
Transfers Between Variable Options
44
Electronic Transfer and Allocation
Instructions
45
Excessive Trading and Market Timing
45
Voting Privileges
47
6.
Expenses
47
Base Contract Expenses (Mortality and
Expense Risk (M&E) Charge)
47
Contract Maintenance Charge (Administrative
Expenses)
47
Withdrawal Charge
48
Transfer Fee
50
Daily Adjustment Maximum Potential Loss
50
Premium Tax
50
Income Tax
50
Variable Option Expenses
51
7.
Access to Your Money
51
Free Withdrawal Privilege
52
Systematic Withdrawal Program
52
Minimum Distribution Program and Required
Minimum Distribution (RMD) Payments
53
Waiver of Withdrawal Charge Benefit
53
Suspension of Payments or Transfers
53
8.
The Annuity Phase
53
Calculating Your Annuity Payments
54
Annuity Payment Options
54
When Annuity Payments Begin
55
9.
Benefits Available Under the Contract
56
Allianz Index Advantage
®
New York Variable Annuity Prospectus – May 1, 2023
3
TABLE OF CONTENTS
10.
Death Benefit
58
Death of the Owner and/or Annuitant
60
Death Benefit Payment Options During the
Accumulation Phase
60
Death Benefit Payment Options
60
11.
Taxes
61
Annuity Contracts in General
61
Qualified Contracts
61
Summary of Individuals and Entities That Can
Own a Qualified Contract
63
Non-Qualified Contracts
63
Non-Qualified Contracts Owned by
Non-Individuals
63
Taxation of Withdrawals
63
10% Additional Federal Tax
63
Non-Qualified Annuity Medicare Tax
65
Payments for Financial Adviser Fees
65
RMDs From Qualified Contracts
65
Diversification
65
Owner Control
66
Taxation of Annuity Payments
66
Distributions Upon the Owner's Death (or
Annuitant's Death If the Owner Is a
Non-individual)
66
Tax-Free Section 1035 Exchanges
68
Multiple Non-Qualified Contracts Purchased
In the Same Year By the Same Owner
68
Assignments, Pledges and Gratuitous
Transfers
68
Income Tax Withholding
68
Federal Estate Taxes
69
Generation-Skipping Transfer Tax
69
Foreign Tax Credits
69
Possible Tax Law Changes
69
12.
Other Information
69
The Registered Separate Account
69
Our General Account
70
Our Unregistered Separate Account
70
Distribution
70
Additional Credits for Certain Groups
72
Administration/Allianz Service Center
72
Legal Proceedings
72
Status Pursuant to Securities Exchange Act of
1934
72
13.
Information on Allianz Life of New
                                York
72
Directors, Executive Officers and Corporate
Governance
73
Executive Compensation
77
Security Ownership of Certain Beneficial
Owners and Management
86
Transactions with Related Persons,
Promoters and Certain Control Persons
86
Business and Operational Risks Relevant to
the Contract
86
14.
Financial Statements
94
Appendix A – Available Indexes
95
S&P 500
®
Index
95
Russell 2000
®
Index
95
Nasdaq-100
®
Index
96
EURO STOXX 50
®
96
Appendix B – Daily Adjustment
98
Appendix C – Variable Options Available
                                Under
the Contract
100
Appendix D – Selected Financial Data
                                and
Statutory Financial Statements
101
Management's Discussion and Analysis of
Financial Condition and Results of
Operations (For the 12 month period
ending December 31, 2022)
101
Statutory Financial Statements
101
For Service or More Information
Back Cover
Our Service Center
Back Cover
Allianz Index Advantage
®
New York 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.
Allocation Options
– the Variable Options and Index Options available to you under the Contract.
Annuitant
– the individual upon whose life we base the Annuity Payments. Subject to our approval, the Owner designates the Annuitant, and can add a joint Annuitant for the Annuity Phase. There are restrictions on who can become an Annuitant.
Annuity Date
– the date we begin making Annuity Payments to the Payee from the Contract. The earliest available Annuity Date is 13 months after the Issue Date, and the latest possible Annuity Date is either age 90 or age 100
                  depending on the requirements of the Financial Professional you purchased your Contract through.
Annuity Options
– the annuity income options available to you under the Contract.
Annuity Payments
– payments made by us to the Payee pursuant to the chosen Annuity Option.
Annuity Phase
– the phase the Contract is in once Annuity Payments begin.
Beneficiary
– the person(s) or entity the Owner designates to receive any death benefit, unless otherwise required by the Contract or applicable law.
Buffer
–
                  for each Index Option, this is the negative Index Return that we absorb 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 Protection NY Strategy Buffers are 30%, 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 of New York is open for business on each day that the New York Stock Exchange is open. Our Business Day ends when regular trading on
                  the New York Stock Exchange closes, which is usually at 4:00 p.m. Eastern Time.
Cap
–
                  for any Index Option, this is the upper limit on positive Index performance 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 available Index Option. The Caps applicable to your Contract are shown on the Index Options Statement.
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 a Variable Option. Index Option Value is increased or decreased on each Term End Date to reflect Performance Credits, which can be negative.
A negative Performance Credit means that you can lose principal and previous earnings.
The Index Option Values also
                  reflect the Daily Adjustment on every Business Day other than the Term 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
                  surrender. The cash surrender value reflects all Contract fees and expenses we would apply on surrender.
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 if you allocate Purchase Payments or transfer Contract Value to an Index Option.
Allianz Index Advantage
®
New York Variable Annuity Prospectus – May 1, 2023
5
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.
Determining Life (Lives)
– the person(s) designated at Contract issue and named in the Contract on whose life we base the guaranteed Traditional Death Benefit.
Financial Professional
– the person who advises you regarding the Contract.
Good Order
– a request is in "Good Order" if it contains all of the information we require to process the request. If we require information to be provided in writing, "Good Order" also includes providing information on the correct form, with any
                  required certifications, guarantees and/or signatures, and received at our Service Center after delivery to the correct mailing, email, or website address, which are all listed at the back of this prospectus. If you have questions about
                  the information we require, or whether you can submit certain information by fax, email or over the web, please contact our Service Center. If you send information by email or upload it to our website, we send you a confirmation number
                  that includes the date and time we received your information.
Guaranteed Death Benefit Value
– the guaranteed value that is available to your Beneficiary(s) on the first death of any Determining Life during the Accumulation Phase. The Guaranteed Death Benefit Value is total Purchase Payments reduced
                  proportionately for withdrawals you take (including any withdrawal charge). All withdrawals you take reduce the Guaranteed Death Benefit Value, even Penalty-Free Withdrawals, and any financial adviser fees that you choose to have us pay
                  from this Contract. However, we do not reduce the Guaranteed Death Benefit Value for deductions we make for Contract fees and expenses.
Index (Indexes)
– one (or more) of the nationally recognized third-party broad based equity securities price return Indexes 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 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 a Buffer amount.
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, 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 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 the applicable Buffer 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
Allianz Index Advantage
®
New York Variable Annuity Prospectus – May 1, 2023
6
Index Performance Strategy provides the highest potential returns. Its Caps will generally be greater than the Index
                  Protection NY Strategy Caps. The Index Performance Strategy is more sensitive to large negative market movements because small negative market movements are absorbed by the 10% or 20% Buffer.
Index Protection NY Strategy
– one of the Crediting Methods described in section 4, Valuing Your Contract. The Index Protection NY Strategy calculates Performance Credits based on Index Returns subject to a Cap and 30% Buffer. You can receive
                  negative Performance Credits under this Crediting Method, which means you can lose principal and previous earnings. The Index Protection NY Strategy provides more protection than the Index Performance Strategy. It generally has higher
                  Buffers in exchange for lower Caps.
Index Return
– the percentage change in Index Value from the 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.
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.
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.
Penalty-Free Withdrawals
– withdrawals you take that are not subject to a withdrawal charge. Penalty-Free Withdrawals include withdrawals you take under the free withdrawal privilege or waiver of withdrawal charge benefit, and RMD payments
                  you take under our minimum distribution program.
Performance Credit
– the return you receive on 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 the Buffer if returns are negative.
If Performance Credits are negative,
you can lose principal and previous earnings.
Performance Lock
– a feature that allows you to capture the current Index Option Value during the 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 Term and the locked Index Option Value will not receive a Performance Credit on the Term End Date.
Proxy Investment
– provides a current estimate of what the Performance Credit will be on the Term End Date taking into account any applicable Buffer, 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.
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®
New York Variable Annuity Prospectus – May 1, 2023
7
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/403(b) Contracts). Currently, we issue Qualified Contracts that may include, but are not limited to Roth IRAs, traditional IRAs and Simplified Employee Pension (SEP) IRAs. We may also issue an
                  Inherited IRA and Inherited Roth IRA to make any required minimum distribution payments to a beneficiary of a previously held tax-qualified arrangement.
Quarterly Contract Anniversary
– the day that occurs three calendar months after the Issue Date or any subsequent Quarterly Contract Anniversary.
Separate Account
– Allianz Life of NY Variable Account C is the Separate Account that issues the variable investment portion of your Contract. It is a separate investment account of Allianz Life of New York. The Separate Account
                  holds the Variable Options that underlie the Contracts. The Separate Account is divided into subaccounts, each of which invests exclusively in a single Variable Option. The Separate Account is registered with the SEC as a unit investment
                  trust, and may be referred to as the Registered Separate Account.
Service Center
– the area of our company that issues Contracts and provides Contract maintenance and routine customer service. Our Service Center address and telephone number are listed at the back of this prospectus. The address
                  for mailing applications and/or checks for Purchase Payments may be different and is also listed at the back of this prospectus.
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 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.
Traditional Death Benefit
– the guaranteed death benefit automatically provided by the Contract for no additional fee described in section 10.
Valid Claim
– the documents we require to be received in Good Order at our Service Center before we pay any death claim. This includes the death benefit payment option, due proof of death, and any required governmental forms. Due proof of death
                  includes a certified copy of the death certificate, a decree of court of competent jurisdiction as to the finding of death, or any other proof satisfactory to us.
Variable Account Value
– on any Business Day it is equal to the portion of your Contract Value in your selected Variable Options. The Variable Account Value increases and decreases based on your selected Variable Options' performance and
                  reflects deduction of the Variable Option operating expenses, and previous deductions we made for Contract fees and expenses.
Variable Options
– the variable investments available to you under the Contract. Variable Option performance is based on the securities in which they invest.
Withdrawal Charge Basis
– the total amount under your Contract that is subject to a withdrawal charge as discussed in section 6, Expenses – Withdrawal Charge.
Allianz Index Advantage
®
New York Variable Annuity Prospectus – May 1, 2023
8
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% 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 $8,000.
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 the Index Option
                              Value 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. A Term is the time period we use to measure
                              Index performance. We
offer 1-year, 3-year, and 6-year Terms. The Daily Adjustment may
                              be positive, negative, or
equal to zero. A negative Daily Adjustment will result in loss. In
                              extreme circumstances, a
negative Daily Adjustment could result in a loss beyond the
                              protection of the Buffer. The
maximum potential loss from a negative Daily Adjustment is -99%.
Fee Tables
4. Valuing Your
Contract – Daily
Adjustment
6. Expenses –
Withdrawal
Charge
Appendix B –
Daily
Adjustment
Transaction
Charges
In addition to withdrawal charges, and Daily Adjustments that may
                              apply to withdrawals and
other transactions from the Index Options, we will also charge you
                              a fee of $25 per transfer
after you exceed 12 transfers between Variable Options in a
                              Contract Year.
Fee Tables
6. Expenses –
Transfer Fee
Ongoing
Fees and
Expenses
(annual
charges)
The table below describes the fees and expenses that you may pay
each year
, depending
on the options you choose. Please refer to your Contract
                              specifications page for information
about the specific fees you will pay
each year
based on the options
                              you have elected.
These ongoing fees and expenses do not reflect any financial
                              adviser fees paid to a
Financial Professional from your Contract Value or other assets of
                              the Owner. If such
charges were reflected, these ongoing fees and expenses would be
                              higher.
Fee Tables
6. Expenses
Appendix C –
Variable
Options
Under the
Contract
Annual Fee
Minimum
Maximum
Base Contract
(1)
1.26%
1.26%
Investment Options
(2)
(Variable Option fees and expenses)
0.66%
0.88%
Optional Benefits Available for an Additional
Charge
(for a single optional benefit, if elected)
Not Applicable
Not Applicable
(1)
As a percentage of each Variable Option's net asset value, plus an
                              amount attributable to the estimated
contract maintenance charge based on expected Contract sales.
(2)
As a percentage of the Variable Option's average daily net assets.
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®
New York Variable Annuity Prospectus – May 1, 2023
9
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
.
Lowest Annual Cost:
$1,762
Highest Annual Cost:
$1,944
Assumes:
•
Investment of $100,000
•
Least expensive Variable Option fees and
expenses
•
5% annual appreciation
•
No additional Purchase Payments,
transfers, or withdrawals
•
No financial adviser fees
Assumes:
•
Investment of $100,000
•
Most expensive Variable Option fees and
expenses
•
5% annual appreciation
•
No additional Purchase Payments,
transfers, or withdrawals
•
No financial adviser fees
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.
• 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.
• Withdrawals are subject to income taxes, including a 10%
                              additional federal tax for
withdrawals taken before age 59
1
∕
2
.
• 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.
• 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 Variable Options and
                              the Index Options
available under the Contract.
• Each Variable Option and Index Option has its own unique risks.
• You should review each Variable Option's prospectus and
                              disclosures, including risk
factors, before making an investment decision.
Risk Factors
Insurance
Company
Risks
An investment in the Contract is subject to the risks related to
                              us. All obligations,
guarantees or benefits of the Contract are the obligations of
                              Allianz Life of New York and
are subject to our claims-paying ability and financial strength.
                              More information about
Allianz Life of New York, including our financial strength
                              ratings, is available upon request
by visiting
allianzlife.com/new-york/about/why-allianz
, or contacting us at (800) 624-0197.
Risk Factors
Allianz Index Advantage
®
New York Variable Annuity Prospectus – May 1, 2023
10
RESTRICTIONS
Prospectus
Location
Investments
• Certain Index Options may not be available under your Contract.
• The first 12 transfers between Variable Options every Contract
                              Year are free. After that,
we deduct a $25 transfer fee for each additional transfer. Your
                              transfers between the
Variable Options are also subject to policies designed to deter
                              excessively frequent
transfers and market timing.
• We only allow assets to move into the Index Options on the Index
                              Effective Date and on
subsequent Index Anniversaries as discussed in section 3,
                              Purchasing the Contract –
Allocation of Purchase Payments and Contract Value Transfers.
• For a 1-year Term Index Option, you can transfer Index Option
                              Value only on the Term
End Date.
• For a 3-year or 6-year Term Index Option, you can transfer Index
                              Option Value only (a) on
the Term End Date, or (b) 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.
• 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.
• With prior written notice we may make the Index Protection NY
                              Strategy Index Options
and Index Performance Strategy 3-year Term with 20% Buffer Index
                              Options temporarily
unavailable for a year or more on Term Start Dates occurring on
                              or after the sixth Index
Anniversary if we are unable to support the minimum Cap on that
                              Index Option. However,
we cannot make the Index Performance Strategy 1-year Term, 3-year
                              Term with 10%
Buffer, or 6-year Term Index Options temporarily unavailable.
                              Once we make an Index
Option unavailable, it may continue to be unavailable so long as
                              we are unable to support
its minimum Cap due to yield on investments or the availability
                              or cost of hedging.
However, we cannot permanently eliminate Index Options after we
                              issue your Contract,
and a temporarily unavailable Index Option will become available
                              once we can support its
minimum Cap. Although we cannot eliminate an Index Option from
                              your Contract, we
reserve the right to substitute Indexes either on a Term Start
                              Date or during a Term.
• We reserve the right to close or substitute the Variable
                              Options. We can also decline a
Purchase Payment if it does not meet the requirements set out in
                              section 3, Purchasing
the Contract – Purchase Requirements.
Risk Factors
3. Purchasing the
Contract
4. Valuing Your
Contract
5. Variable
Options
6. Expenses –
Transfer Fee
Appendix A –
Available Indexes
Optional
Benefits
The Contract does not offer any Optional Benefits.
Not Applicable
TAXES
Tax
Implications
• Consult with a tax professional to determine the tax
                              implications of an investment in and
withdrawals from or payments received under the Contract.
• If you purchased the Contract through a tax-qualified plan or
                              individual retirement account
(IRA), you do not get any additional tax benefit under the
                              Contract.
• Earnings under a Non-Qualified 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
.
• Generally, distributions from Qualified Contracts are taxed at
                              ordinary income tax rates
when withdrawn, and you may have to pay a 10% additional federal
                              tax if withdrawn
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
®
New York Variable Annuity Prospectus – May 1, 2023
11
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
®
New York Variable Annuity Prospectus – May 1, 2023
12
Overview of the
                  Contract
What Is the Purpose of the Contract?
The Allianz Index Advantage
®
New York is a product that offers Index Options and Variable Options and allows you to defer taking
                  regular fixed periodic payments
(Annuity Payments)
to a future
                  date. Under the Contract, you make one or more Purchase Payments. Purchase Payments you allocate to the Index Options are first invested for a limited time in the AZL Government Money Market Fund and then transferred to the Index
                  Option(s) that you select for investment. Depending on several factors (e.g., Allocation Options you select, market conditions, and timing of any withdrawals), your Contract can gain or lose value. When you are ready to receive a
                  guaranteed stream of income under your Contract, you can annuitize your accumulated assets and begin receiving Annuity Payments from us based on the payout option you select
(Annuity Options)
. The Contract includes for no additional charge a standard death benefit (the Traditional Death
                  Benefit) that helps to financially protect your beneficiaries.
We designed the Contract for people who are looking for a death benefit for a period of time, and a
                  level of protection for your principal investment while providing potentially higher returns than are available on traditional fixed annuities. In addition, you should have a long investment time horizon and your financial goals should be
                  otherwise consistent with the terms and conditions of the Contract. This Contract is not intended for someone who is seeking complete protection from downside risk, seeking unlimited investment potential, or expecting to take withdrawals
                  that will 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). If you have
                  Index Options with different Term End Dates, there may be no time you can take a withdrawal without application of at least one Daily Adjustment.
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.
Allianz Index Advantage
®
New York Variable Annuity Prospectus – May 1, 2023
13
What Are the Phases of the Contract?
The Contract has two phases: (1) an Accumulation Phase, and (2) an Annuity Phase.
•
Accumulation Phase.
This is the first phase of your Contract, and it begins on the Issue Date. During the Accumulation Phase, your money is invested under the Contract on a tax-deferred
                      basis. Tax deferral may not be available for certain non-individually owned contracts. Tax deferral means you are not taxed on any earnings or appreciation on the assets in your Contract until you take money out of your Contract. In
                      addition, during this phase, you can make additional Purchase Payments, you can take withdrawals, and if you die we pay a death benefit to your named Beneficiary(s).
Your Contract Value may fluctuate up or down during the Accumulation Phase based on the
                  performance of your selected Allocation Options.
−
Index Options.
You may allocate your Purchase Payments to any or all of the Index Options available under your Contract. There are currently a maximum of 14 Index Options based on
                      different combinations of two credit calculation methods
(Crediting Methods)
, four nationally recognized third-party broad based equity securities price return Indexes, and three Term periods for measuring Index performance. Each Index Option is the combination of an Index, a Crediting
                      Method, a Term length, and a Buffer amount. With prior written notice we may make the Index Protection NY Strategy Index Options and Index Performance Strategy 3-year Term with 20% Buffer Index Options temporarily unavailable for a
                      year or more on Term Start Dates occurring on or after the sixth Index Anniversary if we are unable to support the minimum Cap due to yield on investments or the availability or cost of hedging. However, we cannot make the following
                      Index Performance Strategy Index Options temporarily unavailable: 1-year Term with 10% Buffer, 3-year Term with 10% Buffer, or 6-year Term with 10% Buffer. Once we make an Index Option temporarily unavailable, it may continue to be
                      unavailable so long as we are unable to support its minimum Cap. However, we cannot make an Index Option permanently unavailable or remove it after we issue your Contract, and a temporarily unavailable Index Option will become
                      available once we can support its minimum Cap.
Currently Available
Crediting Methods,
Term Lengths and Buffers
Can Be Made
Temporarily
Unavailable
Currently
Available Indexes
Positive Index Performance
Participation Limit
Index Protection NY Strategy
1-year Term with 30% Buffer
Yes
• S&P 500
®
Index
• Russell 2000
®
Index
• Nasdaq-100
®
Index
• EURO STOXX 50
®
• 3% minimum Cap
Index Performance Strategy
1-year Term with 10% Buffer
No
• S&P 500
®
Index
• Russell 2000
®
Index
• Nasdaq-100
®
Index
• EURO STOXX 50
®
• 5% minimum Cap
Index Performance Strategy
3-year Term with 10% Buffer
No
• S&P 500
®
Index
• Russell 2000
®
Index
• 15% minimum Cap
• Can be "uncapped" (i.e., we do
not declare a Cap for that Term)
• 100% minimum Participation
Rate
Index Performance Strategy
3-year Term with 20% Buffer
Yes
• S&P 500
®
Index
• Russell 2000
®
Index
• 12% minimum Cap
• Can be uncapped
• 100% minimum Participation
Rate
Index Performance Strategy
6-year Term with 10% Buffer
No
• S&P 500
®
Index
• Russell 2000
®
Index
• 30% minimum Cap
• Can be uncapped
• 100% minimum Participation
Rate
Your initial and renewal Caps and Participation Rates for your selected Index Options and
                  their Buffer are stated in your Index Options Statement, which is the account statement we mail to you on the Index Effective Date and each Index Anniversary. The Index Options Statement also includes the Index Values on the Term Start
                  Date and Term End Date for your selected Index Options. We use these Index Values to determine Index Returns and Performance Credits. The Buffer for all currently available Index Options are stated in your Contract. The Buffer for the
Allianz Index Advantage
®
New York Variable Annuity Prospectus – May 1, 2023
14
currently available Index Options will not change for the life of the Contract.
More detailed information about the Index Options is included in section
4, Valuing Your Contract.
−
Variable Options.
You can allocate your Purchase Payments to any or all of the Variable Options available under your Contract. We only allow assets to move into the Index Options on the
                      Index Effective Date and on subsequent Index Anniversaries. As a result, we hold Purchase Payments you allocate to the Index Options in the AZL Government Money Market Fund until we transfer them to the Index Options in accordance
                      with your instructions. The Variable Options are underlying mutual funds with their own investment objectives, strategies, and risks.
For more information, please see Appendix C - Variable Options Available 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). Annuity Payments can provide a guaranteed lifetime fixed income stream with certain tax advantages. We designed the Annuity Payments for Owners who no longer need immediate access to Contract
                      Value to meet their short-term income needs.
During the Annuity Phase, you will receive a stream of regular income in the form of
                  Annuity Payments. You will be unable to take withdrawals upon demand, the Traditional Death Benefit ends, and no amounts will be payable upon death during the Annuity Phase unless your Annuity Option provides otherwise.
What Are the Contract's Primary Features?
•
Accessing Your Money.
During the Accumulation Phase, you can surrender (take a full withdrawal) the Contract or take partial withdrawals. Withdrawals may be subject to negative Daily
                      Adjustments, and are subject to a withdrawal charge 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. We only
                      allow additional Purchase Payments to move into Index Options on Index Anniversaries. As a result, we hold Purchase Payments you allocate to the Index Options that 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 Benefit.
The Contract's death benefit is paid upon the first death of any Determining Life during the Accumulation Phase. The Contract includes for no additional charge a
                      standard death benefit
(the Traditional Death Benefit)
.
                      The death benefit equals the greater of Contract Value, or the Guaranteed Death Benefit Value (which is based on Purchase Payments).
•
Withdrawal Charge Waivers.
Under the free withdrawal privilege, you may withdraw up to 10% of your total Purchase Payments each Contract Year during the Accumulation Phase without incurring a
                      withdrawal charge. Upon a full withdrawal, the free withdrawal privilege is not available to you. We do not apply a withdrawal charge to deductions we make for Contract fees or expenses. The waiver of withdrawal charge benefit allows
                      you to take a withdrawal after the first Contract Year without incurring a withdrawal charge if you are confined to a nursing home for a period of at least 90 consecutive days. Also, if you own an IRA, Simplified Employee Pension
                      (SEP) IRA, Inherited IRA, or Inherited Roth IRA Contract, payments you take under our minimum distribution program (RMD payments) are not subject to a withdrawal charge. The minimum distribution program is not available if you have a
                      qualified plan Contract. Withdrawals under these waivers are still subject to income taxes (including a 10% additional federal tax if you are younger than age 59
1
∕
2
), and to the Daily Adjustment if taken other than on a Term End Date, and may reduce Contract benefits (perhaps significantly and by more than the amount withdrawn).
•
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 are subject to withdrawal charges, and to the Daily Adjustment if taken other than on a Term End Date, will reduce the Contract Value and Guaranteed Death Benefit
                      Value (perhaps significantly and by more than the amount withdrawn), and are 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.
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New York Variable Annuity Prospectus – May 1, 2023
15
Fee Tables
The following tables describe the fees and expenses that you will pay when buying,
                  owning, and surrendering or making withdrawals from the Contract. Please refer to your Contract specifications page for information about the specific fees you will pay each year. These tables do not reflect any financial adviser fees
                  that you pay from your other assets, or that you choose to have us pay from this Contract. If financial adviser fees were reflected, fees and expenses would be higher.
The first table describes the fees and expenses that you will pay at the time that you
                  buy the Contract, surrender or make withdrawals from the Contract, or transfer Contract Value between investment options. State premium taxes may also be deducted.
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%
1
7%
2
6%
3
5%
4
3%
5
1%
6 years or more
0%
Transfer Fee
(3)
$25
(for each transfer between Variable Options after twelve in a Contract Year)
Index Protection NY Strategy and
Index Performance Strategy
Daily Adjustment Maximum Potential Loss
99%
(as a percentage of Index Option Value, applies for distributions from an Index Option
                              before
any Term End Date)
(4)
(1)
The Contract provides a free withdrawal privilege that allows you to
                      withdraw 10% of your total Purchase Payments annually without incurring a withdrawal charge, as discussed in section 7, Access to Your Money – Free Withdrawal Privilege.
(2)
The Withdrawal Charge Basis is the total amount under your Contract that is
                      subject to a withdrawal charge, as discussed in section 6, Expenses – Withdrawal Charge.
(3)
We count all transfers made in the same Business Day as one transfer, as
                      discussed in section 6, Expenses – Transfer Fee. The transfer fee does not apply to transfers to or from the Index Options and these transfers do not count against your free transfers. Transfers are subject to the policies discussed
                      in section 5, Variable Options – Excessive Trading and Market Timing.
(4)
This shows the maximum potential loss due to the application of the Daily
                      Adjustment (e.g., maximum loss could occur if there is a total distribution within 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%, 20%, or 30%
                      Buffer. 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 Variable Option fees and expenses).
Annual Contract Expenses
Administrative Expenses (or contract maintenance
                              charge)
(1)
(per year)
$
50
Base Contract Expenses
(2)
(as a percentage of each Variable Option's net asset value)
1.25%
(1)
Referred to as the "contract maintenance charge" in the Contract and
                      elsewhere in this prospectus. Waived if the Contract Value is at least $100,000. Also waived during the Annuity Phase. See the section 6, Expenses – Contract Maintenance Charge (Administrative Expenses).
(2)
Referred to as the "mortality and expense risk charge" in the Contract, or
                      "M&E charge" elsewhere in this prospectus. See section 6, Expenses – Base Contract Expenses (Mortality and Expense Risk (M&E) Charge).
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The next table shows the minimum and maximum total operating expenses charged by the
                  Variable Options that you may pay periodically during the time that you own the Contract. A complete list of Variable Options available under the Contract, including their annual expenses, may be found in Appendix C – Variable Options
                  Available Under the Contract.
Annual Variable Option Expenses
Minimum
Maximum
(expenses that are deducted from Variable Option assets, including management fees,
                              distribution and/or
service (12b-1) fees, and other expenses)
0.66%
0.88
%
Example
This Example is intended to help you compare the cost of investing in the Contract with
                  the cost of investing in other variable annuity contracts. These costs include transaction expenses, annual Contract expenses, and annual Variable Option expenses. These costs do not include any financial adviser fees that you pay from
                  your other assets, or that you choose to have us pay from this Contract.
The Example assumes that you invest $100,000 in the Contract for the time periods
                  indicated. The Example also assumes that your investment has a 5% return each year. Although your actual costs may be higher or lower, based on these assumptions, your costs would be:
(1)
If you surrender your Contract (take a full withdrawal) at the end of the
                      applicable time period:
1 Year
3 Years
5 Years
10 Years
Maximum Variable Option expense
$9,355
$12,049
$14,102
$24,516
Minimum Variable Option expense
$9,134
$
11,383
$12,982
$22,233
(2)
If you annuitize your Contract at the end of the applicable time period.
1 Year
3 Years
5 Years
10 Years
Maximum Variable Option expense
N/A*
$6,649
$
11,402
$24,516
Minimum Variable Option expense
N/A*
$5,983
$10,282
$22,233
*
The earliest available Annuity Date is 13 months after the Issue Date.
(3)
If you do not surrender your Contract.
1 Year
3 Years
5 Years
10 Years
Maximum Variable Option expense
$2,155
$6,649
$
11,402
$24,516
Minimum Variable Option expense
$1,934
$5,983
$10,282
$22,233
Risk Factors
The Contract involves certain risks that you should understand before investing. You should carefully
                  consider your income needs and risk tolerance to determine whether the Contract is appropriate for you. The level of risk you bear and your potential investment performance will differ depending on the Allocation Options you choose.
Liquidity Risks
We designed the Contract to be a long-term investment that you can use to help build and provide income
                  for retirement. The Contract is not suitable for short-term investment.
If you need to take a full or partial withdrawal during the withdrawal charge period, or when we deduct
                  any financial adviser fees that you choose to have us pay from this Contract, we deduct a withdrawal charge 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 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
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®
New York Variable Annuity Prospectus – May 1, 2023
17
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 3% withdrawal charge applies. The total withdrawal charge would be $30 (3% of $1,000). This results
                  in you receiving $770.
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 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 Variable Options are 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%, 20%, or 30% Buffer that would have been available on the Term End Date,
                  and losses could exceed the protection offered by the 10%, 20%, or 30% Buffer. You will receive a Performance Credit only on the Index Option Value remaining in an Index Option on the Term End Date.
You can transfer Index Option Value to the Variable Options or among the available 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. Additionally, you can transfer assets out of a 3-year or 6-year Term Index Option
                  before the Term End Date only 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 only 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. These restrictions may limit your ability to react to changes in market conditions. You should consider whether investing in an Index Option is consistent with your financial needs.
Risks of Investing in Securities
Returns on securities and securities Indexes can vary substantially, which may result in investment
                  losses. The historical performance of the available Allocation Options does not guarantee future results. It is impossible to predict whether underlying investment values will fall or rise. Trading prices of the securities underlying the
                  Allocation Options are influenced by economic, financial, regulatory, geographic, judicial, political and other complex and interrelated factors. These factors can affect capital markets generally and markets on which the underlying
                  securities are traded and these factors can influence the performance of the underlying securities.
If you allocate Purchase Payments or transfer Contract Value to an Index Option, your returns depend on
                  the performance of an Index although you are not directly invested in the Index. Because the S&P 500
®
Index, Russell 2000
®
Index, Nasdaq-100
®
Index and EURO STOXX 50
®
are each comprised of a collection of equity securities, in each case the value of the component securities is subject to market risk, or the risk that market fluctuations
                  may cause the value of the component securities to go up or down, sometimes rapidly and unpredictably. In addition, the value of equity securities may decline for reasons directly related to the issuers of the securities.
S&P 500
®
Index
. The S&P 500
®
Index
                  is comprised of equity securities issued by large-capitalization U.S. companies. In general, large-capitalization companies may be unable to respond quickly to new competitive challenges, and also may not be able to attain the high growth
                  rate of successful smaller companies.
Russell 2000
®
Index
. The Russell 2000
®
Index
                  is comprised of equity securities of small-capitalization U.S. companies. In general, the securities of small-capitalization companies may be more volatile and may involve more risk than the securities of larger companies.
Nasdaq-100
®
Index
. The Nasdaq-100
®
Index is
                  comprised of equity securities of the largest U.S. and non-U.S. companies listed on The Nasdaq Stock Market, including companies across all major industry groups except the financial industry. To the extent that the Nasdaq-100
®
Index is comprised of securities issued by companies in a
                  particular sector, that company's
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New York Variable Annuity Prospectus – May 1, 2023
18
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.
In recent years, the financial markets have experienced periods of
                              significant volatility and negative returns, contributing
to an uncertain and evolving economic environment. The performance of
                              the markets has been impacted by several
interrelating factors such as, but not limited to, the COVID-19
                              pandemic, geopolitical turmoil, rising inflation, changes in
interest rates, and actions by governmental authorities. It is not
                              possible to predict future performance of the markets.
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 recent market
                              conditions may impact your future investment
decisions related to the Contract, such as purchasing the Contract or
                              making Purchase Payments, transfers, or
withdrawals, based on your individual circumstances.
Risk of Negative Returns
The Variable Options do not provide any protection against loss of principal.
You can lose principal and previous earnings if you allocate Purchase Payments or transfer Contract Value to the Variable Options and
                  such losses could be significant.
If you allocate Purchase Payments or transfer Contract Value to an Index Option, negative Index Returns
                  may cause Performance Credits to be negative after application of the 10%, 20%, or 30% Buffer. For the Index Performance Strategy, we apply the Buffer for the entire Term length; we do not apply the Buffer annually on a 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, and such
                  losses could be significant.
The maximum potential negative Performance Credit is based on the Buffer. If the Buffer is 10%, the maximum
                  negative Performance Credit is ‑90%; if the Buffer is 20%, the maximum negative Performance Credit is ‑80%; and if the Buffer is 30%, the maximum negative Performance Credit is ‑70%.
Such losses will be greater if you take a withdrawal (including any financial adviser fees that you choose to have us pay from this Contract) that is subject to a withdrawal
                  charge, or is a deduction of Contract fees and expenses.
The Daily Adjustment is how we calculate Index Option Values on Business Days other than the Term Start
                  Date or Term End Date.
The Variable Options are 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. The Daily Adjustment can be less than the Cap even if the current Index return during the Term is greater than the 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. 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 Protection NY Strategy 1-year Term and Index Performance Strategy 1-year Term. 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.
The Daily Adjustment for 3-year and 6-year Term Index Options may be more negatively impacted by changes
                  to interest rates, dividend rates, market performance and the expected volatility of Index prices than 1-year Term Index Options because the longer Term length amplifies the impact of these market parameters on the expected Index Option
                  Value at the Term End Date. 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
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equal to 100%. For shorter Term lengths, there is more certainty in both the final Index Values and how Caps and Buffers
                  determine Performance Credits. This means there may be less fluctuation in the Daily Adjustment due to changes in Index return for Index Options with shorter Term lengths.
If you take a withdrawal from an Index Option 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 could result in losses greater than the protection provided by the 10%, 20%, or 30% Buffer.
In extreme circumstances the Daily Adjustment could
                  result in a loss beyond the protection of the Buffer. The maximum potential loss from a negative Daily Adjustment is -99%.
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.
Managed Volatility Variable Option Risk
As described in more detail in the Variable Options' prospectuses, certain Variable Options affiliated
                  with us employ a managed volatility strategy that is intended to reduce the Variable Option's overall volatility and downside risk. A Variable Option's managed volatility strategy can negatively impact the value of your Contract and its
                  benefits. During rising markets, the hedging strategies employed to manage volatility could result in your Contract Value rising less than would have been the case if you had been invested in a Variable Option without a managed volatility
                  strategy. In addition, the cost of these hedging strategies may negatively impact performance. Variable Options that employ a managed volatility strategy are identified in Appendix C – Variable Options Available Under the Contract.
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 the Caps limit positive returns and could cause performance to be lower than it would otherwise have been if you invested in a mutual fund designed to track the performance of the applicable Index, or
                  the Variable Options. 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:
January 1, 2012 through December 31, 2022
S&P 500
®
Index
Nasdaq-100
®
Index
Russell 2000
®
Index
EURO STOXX 50
®
Returns without dividends
11.56%
17.69%
8.95%
4.47%
Returns with dividends
13.70%
18.96%
10.38%
8.04%
Caps and Participation Rates may be adjusted on the next Term Start Date and may vary significantly from
                  Term to Term. Changes to Caps and Participation Rates may significantly affect the amount of Performance Credit you receive. For more information, see the "Risks Associated with Changes to Caps and Participation Rates, and Temporary
                  Unavailability of Index Options" 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
If a Performance Lock is executed:
•
You will no longer participate in Index performance, positive or negative,
                      for the remainder of the Term for the locked Index Option. This means that under no circumstances will your Index Option Value increase during the remainder of the Term for a locked Index Option, and you will begin a new Index
                      Option with a new Term Start Date on the next Index Anniversary that occurs on or immediately after the Lock Date.
•
You will not receive a Performance Credit on any locked Index Option on the
                      Term End Date.
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New York Variable Annuity Prospectus – May 1, 2023
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•
We use the Daily Adjustment calculated at the end of the
current
Business Day on the Lock Date to
                      determine your locked Index Option Value. This means you will not be able to determine in advance your locked Index Option Value, and it may be higher or lower than it was at the point in time you requested a manual Performance Lock.
                      This means that if you request a Performance Lock your Index Option Value will lock at an unknown future value which may be higher or lower than it was when you requested a Performance Lock. If you set targets, your Index Option Value
                      may lock at a higher value than an upper target you set, or may lock at a lower value than a lower target you set. You may request a Performance Lock or set upper and/or lower targets through your account on our website.
•
If a Performance Lock is executed when your Daily Adjustment has declined,
                      you will lock in any loss. It is possible that you would have realized less of a loss or no loss if the Performance Lock occurred at a later time, or if the Index Option was not locked.
We will not provide advice or
                              notify you regarding whether you should execute a Performance Lock or the optimal
time for doing so. We will not
                              warn you if you execute a Performance Lock at a sub-optimal time. We are not
responsible for any losses related
                              to your decision whether or not to execute a Performance Lock.
Risks Associated with Substitution of an Index
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. If we substitute a new Index for an existing Index, the performance of the new Index may be different and this may affect your
                  ability to receive positive Performance Credits. We may substitute a new Index for an existing Index if:
•
the Index is discontinued,
•
we are unable to use the Index because, for example, changes to an Index
                      make it impractical or expensive to purchase derivative hedging instruments to hedge the Index, or we are not licensed to use the Index, or
•
the method of calculation of the Index Values changes substantially,
                      resulting in significantly different Index Values and performance results. This could occur, for example, if an Index altered the types of securities tracked, or the weighting of different categories of securities.
If we add or substitute an Index, we first seek any required regulatory approval from the New York
                  Department of Financial Services 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 the Buffers, Caps, and Participation Rates for the substituted Index will apply to the new Index. We do
not
change the Buffers, Caps, or Participation Rates that were in effect on the Term Start
                  Date.
Similarly, if we substitute an Index on a Term Start Date, the applicable Buffer, and minimum Cap or
                  Participation Rate will not change.
Changes to Caps and Participation Rates associated with the new Index, if any, may occur at the next
                  regularly scheduled Term Start Date, subject to their respective minimums. 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 Caps and Participation Rates associated with the new Index, subject to their respective minimums. 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 due to changes in Proxy Value inputs (such as volatility,
                  dividend yield, and interest rate). However, you would only be affected by this change in the Daily Adjustment if a normal transaction to which the Daily Adjustment applies (such as a withdrawal you take) occurs on the substitution date.
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.
Risks Associated with Changes to Caps and Participation Rates, and
                  Temporary Unavailability of Index Options
The 10%, 20%, and 30% Buffers for the currently available Index Options do not change. However, if we add
                  a new Index Option to your Contract after the Issue Date, we establish the Buffer for it on the date we add the Index Option to your Contract. For a new Index Option the minimum Buffer is 5%.
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New York Variable Annuity Prospectus – May 1, 2023
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Subject to their respective minimums, we establish the initial 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 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/indexratesny
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 date you signed your application, you will receive the initial rates that were available on the date you signed your application. However, if you select an Index Effective Date that is after this guaranteed
                  period, you are subject to the risk that initial 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 Contract Value less withdrawal charge and contract maintenance charge.
                  On or before the Index Effective Date the Daily Adjustment does
not
apply. You may review future rates at least seven calendar days before their effectiveness at
allianzlife.com/indexratesny
, or call (800) 624-0197. You (or your Financial Professional, if
                  authorized) can change your Index Effective Date at any time before it occurs to be an earlier or later date by submitting a request.
We can change the renewal 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 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 Variable Account
                  Value and 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  (if available) at the renewal Caps and Participation Rates that we set on the
                  next Term Start Date, or transferring to another permitted Allocation Option, subject to the limitations on transfers from an Index Option to a Variable Option. At least seven calendar days before each Index Anniversary we publish renewal
                  rates for the next Term Start Date for your review in your account on our website, and on our public website at
allianzlife.com/indexratesny
, or call (800) 624-0197. If you do not review renewal change information when it is published, or take no action to transfer to another permitted Allocation Option, you
                  will remain allocated to your current Index Options (if available) and will automatically become subject to the renewal Caps and Participation Rates until the next Term End Date.
You risk the possibility that the renewal 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 Caps and Participation Rates for the next Term. You also risk the possibility that we may make the Index Protection NY Strategy Index Options and Index Performance Strategy 3-year Term with 20%
                  Buffer Index Options temporarily unavailable for a year or more on Term Start Dates occurring on or after the sixth Index Anniversary.  If we temporarily make an Index Option unavailable and you do not give us reallocation instructions
                  before the end of the Business Day on the Term Start Date the Index Option becomes temporarily unavailable (or the next Business Day if the Term Start Date is a non-Business Day),
we will transfer the assets in the temporarily unavailable Index Option to the AZL Government Money Market Fund and the assets will remain there until we receive alternate
                  instructions.
You can transfer these assets from the AZL Government Money Market Fund at any time to the Variable Options, or on the next Index Anniversary you
                  can transfer them to an Index Option.
If you transfer these assets to an Index Option, they will not be eligible to receive
                  a Performance Credit until at least the second Index Anniversary after an Index Option becomes temporarily unavailable because they can only be allocated to an Index Option on an Index Anniversary.
When your renewal rates change or Index Options become unavailable you can either transfer Index Option Value to the Variable Options, or to other available Index Options,
                  or take a full withdrawal (which is subject to a withdrawal charge).
Initial and renewal 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,
•
the amount of money available to us through Contract fees and expenses to
                      purchase hedging instruments,
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New York Variable Annuity Prospectus – May 1, 2023
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•
your Index Effective Date,
•
the level of interest rates,
•
utilization of Contract benefits by Owners, and
•
our profitability goals.
Due to a combination of factors, including potential changes in interest rates and other market
                  conditions (e.g. rising inflation), the current economic environment is evolving. The future impact on initial and renewal Caps 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 Caps and Participation Rates. Interest rates could increase. In a rising interest rate environment, increases in 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 Caps and Participation Rates to reflect these cost changes. The
                  primary factor affecting the differences in the initial Caps and Participation Rates for newly issued Contracts and renewal rates for existing Contracts is the difference in what we can earn from these investments for newly issued
                  Contracts versus what we are earning on the investments that were made, and are being held to maturity, for existing Contracts. In some instances we may need to reduce initial and renewal Caps and Participation Rates, or we may need to
                  substitute an Index. You bear the risk that we may reduce Caps and Participation Rates, which reduces your opportunity to receive positive Performance Credits.
With prior written notice we may make the Index Protection NY Strategy Index Options and Index
                  Performance Strategy 3-year Term with 20% Buffer Index Options temporarily unavailable for a year or more on Term Start Dates occurring on or after the sixth Index Anniversary if, due to yield on investments or the availability or cost of
                  hedging, we are unable to support the minimum Cap. We cannot make an Index Option temporarily unavailable before the sixth Index Anniversary, during a Term, or at any other time, or for any other reason.
We cannot make the following Index Performance Strategy Index Options temporarily unavailable: 1-year Term with 10% Buffer, 3-year Term with 10% Buffer,
                  and 6-year Term with 10% Buffer.
We establish the Index Options that we cannot make temporarily unavailable for your Contract on the Issue Date and we cannot
                  change them. Any new Index Option we add to your Contract after the Issue Date will indicate if it can be made temporarily unavailable or not.
Temporary unavailability of an Index Option on or after the sixth Index Anniversary may:
•
last for more than one Index Year,
•
reoccur periodically during the time you
                      own your Contract, and
•
result in all Index Options within the
                      Index Protection NY Strategy being unavailable.
Once we make an Index Option unavailable, it may continue to be unavailable so long as we are unable to
                  support its minimum Cap. However, we cannot make an Index Option permanently unavailable after we issue your Contract, and a temporarily unavailable Index Option will become available once we can support its minimum Cap. Although we
                  cannot make an Index Option permanently unavailable or remove it from your Contract after the Issue Date, we can substitute an Index as discussed under "Substitution of an Index" in this section. You bear the risk that the Index
                  Protection NY Strategy Index Options and Index Performance Strategy 3-year Term with 20% Buffer Index Options may be periodically unavailable, possibly for an extended period of time, which reduces your opportunity to receive positive
                  Performance Credits, and may also increase your risk of loss because the increased protection provided by the 20% Buffer is not available.
Risks Associated with Investment in Derivative Hedging Instruments
The Index Options are supported by bonds and other fixed income securities which are also used to support
                  the Contract guarantees, cash, and derivative hedging instruments used to hedge the movements of the applicable Index.
At Contract issue, we invest a substantial majority of the initial Contract Value allocated to the Index
                  Options in fixed income securities, with most of the remainder invested in derivative hedging instruments. The derivative hedging instruments are purchased to track and hedge Index movements and support our obligations with regard to the
                  Index Options. The derivative hedging instruments we purchase include put options, call options, futures, swaps, and other derivatives.
The Index Options move assets in the unregistered separate account between a book value subaccount and a
                  market value subaccount during the Index Year based on Index performance. We typically transfer assets between the subaccounts if
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there is a 10% incremental change in year-to-date Index performance. For the Index Performance Strategy this starts at a
                  -10% decrease in the market; for the Index Protection NY Strategy, this starts at a -30% decrease in the market. We monitor year-to-date Index performance daily and change allocations daily if needed based on this 10% increment. For more
                  information on our unregistered separate account backing the Index Options, see section 12, Other Information – Our Unregistered Separate Account.
We currently limit our purchase of derivative hedging instruments to liquid securities. However, like
                  many types of derivative hedging instruments, these securities may be volatile and their price may vary substantially. In addition, because we pay Performance Credits regardless of the performance of derivative hedging instruments we
                  purchase, we may incur losses on hedging mismatches or errors in hedging. We may incur additional costs if the costs of our hedging program increase due to market conditions or other factors. Our overall experience with hedging securities
                  may affect renewal Caps and Participation Rates for existing Contracts.
Certain Variable Options may also invest in derivative securities. For more information on these
                  investments, see the Variable Option prospectuses.
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 are subject to withdrawal
                  charges, will reduce the Contract Value dollar for dollar and Guaranteed Death Benefit Value proportionately (perhaps significantly and by more than the amount withdrawn), and are 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.
Risks Associated with Our Financial Strength and Claims-Paying
                  Ability
We make Annuity Payments, pay death benefits, and apply Performance Credits from our general account. Our
                  general account assets are subject to claims by our creditors, and any payment we make from our general account is subject to our financial strength and claims-paying ability.
The assets in our unregistered separate account, Separate Account IANY are also subject to claims by our
                  creditors. You can obtain information on our financial condition by reviewing our financial statements in this prospectus. For more information see section 12, Other Information – Our Unregistered Separate Account.
Regulatory Protections
Allianz Life of New York is not an investment company and therefore we are not registered as an investment
                  company under the Investment Company Act of 1940, as amended, and the protections provided by this Act are not applicable to the guarantees we provide. The Separate Account is, however, registered as an investment company. Any allocations
                  you make to an Index Option are not part of the Separate Account. Allianz Life of New York is not an investment adviser and so is not subject to the Investment Advisers Act of 1940, and does not provide investment advice to you in
                  connection with your Contract.
Your Contract is registered in accordance with the Securities Act of 1933 and the offering of the Contract
                  must be conducted in accordance with the requirements of this Act. In addition, the offer and sale of the Contract is subject to the provisions of the Securities Exchange Act of 1934.
The Contract is filed with and approved by New York. State insurance laws provide a variety of regulatory
                  protections.
1.
The Contract
An annuity is a contract between you as the Owner, and an insurance company (in this case Allianz Life of
                  New York), where you make payments to us and we invest that money in the Allocation Options you select. Depending on market conditions, your Contract may gain or lose value based on the returns of your selected Allocation Options. When
                  you are ready to take money out, we make payments to you according to your instructions and any restrictions associated with the payment option you select that is described in this prospectus. Other than to add benefits that are
                  beneficial to you, we do not make any changes to your Contract without your permission except as may be required by law.
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The Contract has an Accumulation Phase and an Annuity Phase.
The
Accumulation Phase
is the first phase of your Contract, and it begins on the Issue Date. During the
                  Accumulation Phase, we invest your money in the Allocation Options you select on a tax-deferred basis. Tax deferral may not be available for certain non-individually owned contracts. Tax deferral means you are not taxed on any earnings or
                  appreciation on the assets in your Contract until you take money out of your Contract. (For more information, see section 11, Taxes.)
During the Accumulation Phase you can take withdrawals (subject to any withdrawal charge) and you can
                  make additional Purchase Payments subject to the restrictions set out in section 3, Purchase Requirements.
The Accumulation Phase ends upon the earliest of the following.
•
The Business Day before the Annuity Date.
•
The Business Day we process your request for a full withdrawal.
•
Upon the death of any Owner (or the Annuitant if the Owner is a
                      non-individual), the Business Day we first receive a Valid Claim from any one Beneficiary, unless the surviving spouse/Beneficiary continues the Contract. If there are multiple Beneficiaries, the remaining Contract Value continues to
                      fluctuate with the performance of the Allocation Options until the complete distribution of the death benefit. A
Valid Claim
is the documents we require to be received in Good Order at our Service Center before we pay any death claim.
If you request Annuity Payments, the Accumulation Phase of your Contract ends and you enter the
Annuity Phase
. During the Annuity Phase we make regular
                  fixed periodic Annuity Payments based on the life of the Annuitant(s), or life and term certain. We send Annuity Payments to the
Payee
(the person or entity who receives Annuity Payments during the Annuity Phase). You can choose
                  when Annuity Payments begin, subject to certain restrictions. We base Annuity Payments on your Contract Value and the payout rates for the Annuity Option you select. Your Annuity Payments do not change unless an Annuitant dies. The
                  Annuity Phase ends when we make the last Annuity Payment under your selected Annuity Option. For more information, see section 8, The Annuity Phase.
Financial Adviser Fees
If you have a financial adviser and want to take a withdrawal from this Contract to pay your financial
                  adviser fee, you can submit a written request to our Service Center by completing our third party money management customer authorization of transfer form and fee redemption authorization form. If we approve your request, we withdraw the
                  requested fees and pay them to your Financial Professional or Financial Professional's firm as instructed. The fee redemption authorization is an agreement between you 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 it is
                  subject to a withdrawal charge, federal and state 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).
We deduct financial adviser fees (including any withdrawal charge) proportionately from each Allocation Option unless you provide us with alternate
                  instructions. This withdrawal reduces the Contract Value and the amount available under the free withdrawal privilege by the dollar amount withdrawn. It may also reduce your Contract's Guaranteed Death Benefit Value proportionately by the
                  percentage of Contract Value withdrawn, which may reduce this value
by more than the amount withdrawn and these reductions
                  could be significant.
If this is a Non-Qualified Contract, a withdrawal will be a taxable withdrawal to the extent that gain
                  exists within the Contract. Financial adviser fees paid from any type of IRA Contract (including IRA, Roth IRA, SEP IRA, Inherited IRA and Inherited Roth 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, but we verify that
                  payments are made in accordance with the fee redemption authorization agreement you submit to us. We do not set your financial adviser fee or
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receive any part of it. Any withdrawals for financial adviser fees you pay is in addition to this Contract's fees and
                  expenses. We pay sales commissions to the selling firms and their Financial Professionals. The maximum commission payable to the selling firms for Contract sales is expected to not exceed 7% of Purchase Payments. Sometimes, we enter into
                  an agreement with a selling firm to pay commissions as a combination of a certain amount of the commission at the time of sale and a trail commission which, when totaled, could exceed 7% of Purchase Payments. Financial Professionals and
                  their managers may also be eligible for various benefits such as production incentive bonuses, insurance benefits, and non-cash compensation items that we may provide jointly with our principal underwriter, Allianz Life Financial
                  Services, LLC. You should ask your financial adviser about compensation they receive for this Contract. Allianz Life of New York is not an investment adviser, and does not provide investment advice in connection with sales of the
                  Contract. We are not a fiduciary to you, and do not make recommendations or assess suitability.
You can submit a written request to our Service Center on a form satisfactory to us to allow your
                  financial adviser to make Allocation Option transfers and allocation changes on your behalf. However, we reserve the right to review a financial adviser's trading history before allowing him or her to make transfers. If, in our sole
                  discretion, we believe the financial adviser's trading history indicates excessive trading, we can deny your request. If we approve it, your financial adviser is subject to the same trading restrictions that apply to Owners. We can deny
                  or revoke trading authority in our sole discretion.
Financial Adviser Fee Deduction Example
These calculations show the effects of withdrawing financial adviser fees on the Contract Value and
                  available Guaranteed Death Benefit Value. These withdrawals (including any withdrawal charges) immediately reduce the Contract Value on a dollar for dollar basis, and reduce the Traditional Death Benefit's Guaranteed Death Benefit Value
                  by the percentage of Contract Value withdrawn.
The example assumes a withdrawal of $5,000 once per year on days that are not Term End Dates to pay
                  financial adviser fees starting when the Contract Value is $100,000, and the Guaranteed Death Benefit Value under the Traditional Death Benefit is $90,000. The first withdrawal assumes that there is no amount remaining under the free
                  withdrawal privilege for that year, so that withdrawal is subject to an 8% 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
Traditional Death Benefit's Guaranteed Death Benefit
Prior to 1
st
years withdrawal
$ 100,000
$ 90,000
$5,000 withdrawal (subject to an
8% withdrawal charge)
– [($5,000 ÷ (1 – 8%)]
Amount withdrawn
– $5,435
– [($5,435 ÷ 100,000) x 90,000]
= - $4,891
After 1
st
years withdrawal
$ 94,565
$ 85,109
Prior to 2
nd
years withdrawal
$ 97,000
$ 85,109
$5,000 withdrawal (not subject to a
withdrawal charge)
– $5,000
– [($5,000 ÷ 97,000) x 85,109]
= - $4,387
After 2
nd
years withdrawal
$ 92,000
$ 80,722
Prior to 3
rd
years withdrawal
$ 80,000
$ 80,722
$5,000 withdrawal (not subject to a
withdrawal charge)
– $5,000
– [($5,000 ÷ 80,000) x 80,722]
= - $5,045
After 3
rd
years withdrawal
$ 75,000
$ 75,677
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The death benefit is the greater of the Contract Value, or the Guaranteed Death Benefit Value, so the
                  death benefit would be:
•
$94,565 Contract Value after the first adviser fee deduction.
•
$92,000 Contract Value after the second adviser fee deduction.
•
$75,677 Guaranteed Death Benefit Value 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 Contract Value, both the Accumulation Phase and
                  the Contract end even though the Annuity Phase never began and we did not make any death benefit payments.
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 (such as a trust or other entity acting as an agent for a natural person). Qualified Contracts and non-individually owned Contracts can only have one Owner. A
Qualified Contract
is purchased under a pension or retirement plan that
                  qualifies for special tax treatment under sections of the Code.
Joint Owner
A Non-Qualified Contract can be owned by up to two individual Owners
(Joint Owners)
. We generally require the signature of both Joint Owners on
                  any forms that are submitted to our Service Center.
Annuitant
The Annuitant is the individual on whose life we base Annuity Payments. Subject to our approval, you
                  designate an Annuitant when you purchase a Contract. For Qualified Contracts, before the Annuity Date the Owner must be the Annuitant unless the Contract is owned by a qualified plan or is part of a custodial arrangement. You can change
                  the Annuitant on an individually owned Non-Qualified Contract at any time before the Annuity Date.
You cannot change the
                  Annuitant if the Owner is a non-individual
. Subject to our approval, you can add a joint Annuitant on the Annuity Date. For Qualified Contracts, the ability to
                  add a joint Annuitant is subject to any plan requirements associated with the Contract. For individually owned Contracts, if the Annuitant who is not an Owner dies before the Annuity Date, the sole Owner (or younger Joint Owner)
                  automatically becomes the new Annuitant, but the Owner can subsequently name another Annuitant.
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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
• If this is an Inherited IRA Contract the Beneficiary can either:
–
continue to receive RMD payments based on the
remaining life expectancy of the deceased Owner and the
Contract Value as of the Business Day we receive a Valid
Claim, until ten years after the Owner's death at which
time we make a lump sum payment, or
–
receive a lump sum payment of the Contract Value as of
the Business Day we receive a Valid Claim.
• For all other Contracts, we pay a death benefit to the
Beneficiary unless the Beneficiary is the surviving spouse and
continues the Contract.
• If the deceased Owner was a Determining Life and the
surviving spouse Beneficiary continues the Contract:
–
we increase the Contract Value to equal the Guaranteed
Death Benefit Value if greater and available, and the
death benefit ends,
–
the surviving spouse becomes the new Owner,
–
the Accumulation Phase continues, and
–
upon the surviving spouse's death, his or her
Beneficiary(s) receives the Contract Value.
• If the deceased Owner was not a Determining Life, the
Traditional Death Benefit is not available and the Beneficiary(s)
receives the Contract Value.
• The Beneficiary becomes the Payee. If we are still required to
make Annuity Payments under the selected Annuity Option, the
Beneficiary also becomes the new Owner.
• If the deceased was not an Annuitant, Annuity Payments to the
Payee continue. No death benefit is payable.
• If the deceased was the only surviving Annuitant, Annuity
Payments end or continue as follows.
–
Annuity Option 1 or 3, payments end.
–
Annuity Option 2 or 4, payments end when the
guaranteed period ends.
–
Annuity Option 5, payments end and the Payee may
receive a lump sum refund.
–
For more information on 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.
• For a Qualified Contract, the Annuity Payments must end ten
years after the Owner's death.
Determining Life (Lives)
The Determining Life (Lives) are the individuals on whose life we base the Guaranteed Death Benefit
                  Value provided by the Traditional Death Benefit. We establish the Determining Life (Lives) at Contract issue. For an individually owned Contract the Determining Life (Lives) are the Owner(s). For a non-individually owned Contract the
                  Determining Life is the Annuitant. After the Issue Date the Determining Life (Lives) only change if:
•
you remove a Joint Owner due to divorce, then we also remove that person as
                      a Determining Life, or
•
you establish a jointly owned Non-Qualified Contract and change ownership
                      to a Trust, then we remove the prior Owner who is not the Annuitant as a Determining Life.
Beneficiary
The Beneficiary is the person(s) or entity you designate to receive any death benefit. You can change
                  the Beneficiary or contingent Beneficiary at any time before your death unless you name an irrevocable Beneficiary. If a Beneficiary dies before you, or you and a Beneficiary die simultaneously, that Beneficiary's interest in this
                  Contract ends unless your Beneficiary designation specifies otherwise. You and a Beneficiary are deemed to have died simultaneously if it is not established by clear and convincing evidence that either you or the Beneficiary survived the
                  other by 120 hours. If there are no surviving Beneficiaries or if there is no named Beneficiary, we pay the death benefit to your estate or the Owner if the Owner is a non-individual.
FOR JOINTLY OWNED CONTRACTS:
The sole primary Beneficiary is the surviving Joint Owner regardless of any
other named primary Beneficiaries. If both Joint Owners die
                              simultaneously, we pay the death benefit to the named
surviving primary Beneficiaries. If there are no named surviving
                              primary Beneficiaries, we pay the death benefit to the
named surviving contingent Beneficiaries, or equally to the estate of
                              the Joint Owners if there are no named surviving
contingent Beneficiaries.
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Payee
The Payee is the person or entity who receives Annuity Payments during the Annuity Phase. The Owner
                  receives tax reporting on those payments. Generally we require the Payee to be an Owner. However, you can name a charitable trust, financial institution, qualified plan, or an individual specified in a court order as a Payee. For
                  Qualified Contracts owned by a qualified plan, the qualified plan must be the Payee.
Assignments, Changes of Ownership and Other Transfers of Contract
                  Rights
You can assign your rights under this Contract to someone else during the Accumulation Phase. An
                  assignment may be absolute or limited, and includes changes of ownership, collateral assignments, or any other transfer of specific Contract rights. After an assignment, you may need the consent of the assignee of record to exercise
                  certain Contract rights depending on the type of assignment and the rights assigned.
The Contract cannot be assigned without our consent. You must submit your request to assign the Contract
                  in writing to our Service Center and we must approve it in writing.
Upon receipt of your request in Good Order, we record the assignment. We are not responsible for the
                  validity or effect of the assignment. We are not liable for any actions we take or payments we make before we receive your request in Good Order and record it. Assigning the Contract does not change, revoke or replace the originally named
                  Annuitant or Beneficiary; if you also want to change the Annuitant or Beneficiary you must make a separate request.
•
An assignment may be a taxable event
. In addition, there are other
                              restrictions on changing the ownership of a
Qualified Contract and Qualified Contracts generally cannot be
                              assigned absolutely or on a limited basis.
You should
consult with your tax adviser
                              before assigning this Contract
.
•
An assignment will only change the Determining Life (Lives) if it involves removing a Joint Owner due to
divorce, or replacing Joint Owners with a Trust.
3.
Purchasing the Contract
Purchase Requirements
To purchase this Contract, on the Issue Date all Owners and the Annuitant must be age 80 or younger.
The Purchase Payment requirements for this Contract are as follows.
•
The minimum initial Purchase Payment due on the Issue Date is $10,000.
•
You can make additional Purchase Payments of $50 or more during the
                      Accumulation Phase.
•
We do not accept additional Purchase Payments on or after the Annuity Date.
•
If this is an Inherited IRA or Inherited Roth IRA Contract, the death
                      benefit proceeds of the previous tax-qualified investment were directly transferred into this Contract, and we do not accept additional Purchase Payments (see section 11, Taxes – Qualified Contracts – Inherited IRA).
•
The maximum total Purchase Payments we accept is $10 million.
We may, at our sole discretion, waive the minimum Purchase Payment requirements.
Once we receive your initial Purchase Payment and all necessary information in Good Order at our Service
                  Center, we issue the Contract within two Business Days and allocate your payment to your selected Allocation Options. If the Issue Date is the same as the Index Effective Date we apply any part of your initial Purchase Payment you
                  allocate to the Index Options directly to the Index Options. If the Issue Date is not the Index Effective Date, we hold any part of your initial Purchase Payment you allocate to the Index Options in the AZL Government Money Market Fund
                  before we transfer it to your selected Index Options. If you do not give us all of the information we need, we contact you or your Financial Professional. If for some reason we are unable to complete this process within five Business
                  Days, we either send back your Purchase Payment or get your permission to keep it until we get all of the necessary information. If you make additional Purchase Payments, we add this money to your Contract on the Business Day we receive
                  it in Good Order.
If you submit a Purchase Payment and/or application to your Financial Professional, we do not begin
                  processing the payment and/or application until we receive it.
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We can only decline a Purchase Payment if it is less than $50, would cause total Purchase Payments to be
                  more than $10 million, or if we receive it on or after the Annuity Date. If mandated under applicable law, we may be required to reject a Purchase Payment.
Applications Sent Electronically
We accept manually signed applications that are in Good Order and are sent by fax, or email, or uploaded
                  to our website. It is important to verify receipt of any faxed application, or to receive a confirmation number when using email or the web. We are not liable for applications that we do not receive. A manually signed application sent by
                  fax, email or over the web is considered the same as an application delivered by mail. Our electronic systems (fax, email or website) may not always be available; any electronic system can experience outages or slowdowns which may delay
                  application processing. 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
We do not accept additional Purchase Payments if you
                              have an Inherited IRA, or Inherited Roth IRA Contract.
The allocation instructions you provide on your application automatically become your Purchase Payment
                  default instructions. (In your Contract, Purchase Payment default instructions are called future allocation instructions.) We use these default instructions for all Purchase Payments we receive unless you change them, or give us alternate
                  allocation instructions specific to an individual Purchase Payment.
We only allow Purchase Payments to move into
                  the available Index Options on the Index Effective Date and on subsequent Index Anniversaries.
As a result, we hold Purchase Payments allocated to the Index
                  Options we receive on days other than the Index Effective Date or an Index Anniversary in the AZL Government Money Market Fund until we transfer them to your selected Index Options (if available) according to your Purchase Payment default
                  instructions. On the Index Effective Date we rebalance or reallocate your total Contract Value among all of your available selected Allocation Options according to your Purchase Payment default instructions. For additional Purchase
                  Payments we receive
after
the Index
                  Effective Date, this transfer occurs on the next Index Anniversary and does not involve a reallocation of your total Contract Value. We apply any Purchase Payments allocated to the Index Options we receive on the Index Effective Date or
                  on an Index Anniversary directly to the Index Options on that day; these Purchase Payments are not held in the AZL Government Money Market Fund.
We only allow Variable Account Value transfers into Index Options
                  and Index Option Value transfers between Index Options or to the Variable Options on Term End Dates. We do not allow assets to move into an established Index Option until the Term End Date. If you request to transfer into an established
                  Index Option on an Index Anniversary that is not a Term End Date, we will transfer those assets into the same Index Option with a new Term Start Date.
If you only select the 1-year Term Index Options, you can automatically reallocate your total Contract
                  Value annually by providing us with instructions (see section 4, Optional Reallocation Program for 1-year Term Index Options). However, you cannot automatically reallocate your total Contract Value annually on each Term End Date if you
                  select a 3-year or 6-year Term Index Option.
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 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/indexratesny
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 date you signed your
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application, you will receive the initial rates that were available on the date you signed your
                  application. However, if you select an Index Effective Date that is after this guaranteed period, you are subject to the risk that initial 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 Contract Value less withdrawal charge and contract maintenance charge. On or before the Index Effective Date the Daily Adjustment
                  does
not
apply.
You may review future rates at least seven calendar days
                  before their effectiveness at
allianzlife.com/indexratesny
. You (or your Financial Professional, if authorized) can change your Index Effective Date at any time before it occurs to be an earlier or later date by submitting a request.
However, your new Index Effective Date cannot be later than the deferred Index Effective Date listed above. We must receive your request in Good Order at our Service Center
                  before the end of the Business Day on which you want the Index Effective Date to occur. Once your Index Effective Date occurs, all Index Options for your Contract will have the same Index Anniversary.
You can change your Purchase Payment default instructions at any time without fee or penalty. These
                  changes are effective on the Business Day we receive them in Good Order at our Service Center. We accept changes to Purchase Payment default instructions from any Owner unless you instruct otherwise. We may allow you to authorize someone
                  else to change these default instructions on your behalf.
Changes to your Purchase Payment default instructions do not
                  reallocate or transfer existing Index Option Values on the Term End Date
. To reallocate Index Option Value on the Term End Date you must give us transfer
                  instructions.
We notify you at least 30 days in advance of each Index Anniversary as a reminder that on the upcoming
                  anniversary you may transfer Variable Account Value to the Index Options, and you may transfer Index Option Value between Index Options or to the Variable Options. Transfers between Allocation Options do not change your Purchase Payment
                  default instructions. For more information, see section 5, Variable Options – Electronic Transfer and Allocation Instructions. On each Term End Date, if we have not received transfer instructions from you, and you are not participating in
                  the 1-year Term Index Option reallocation program, all assets invested continue to be invested in the same Index Options (if available) with new Term Start Dates at the renewal 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. Any new Index Option we add to your Contract after issue will indicate if it can be made temporarily unavailable or not. If we add a new Index Option to your Contract, we cannot change its Buffer after it is established. For a
                  new Index Option the minimum Buffer is 5%. However, we can change the renewal Caps and Participation Rates associated with any Index Option on each Term Start Date subject to the guaranteed minimums.
With prior written notice we may make the Index Protection NY Strategy Index Options and Index
                  Performance Strategy 3-year Term with 20% Buffer Index Options temporarily unavailable for a year or more on Term Start Dates occurring on or after the sixth Index Anniversary if we are unable to support the minimum Cap. If we make an
                  Index Option temporarily unavailable, we do not change your Purchase Payment default instructions. If you have assets in an Index Option that we make temporarily unavailable, or if you allocate a Purchase Payment or request to transfer
                  into an Index Option that we later make temporarily unavailable, and you do not provide us with alternate allocation instructions before the end of the Business Day on the Term Start Date the Index Option becomes temporarily unavailable
                  (or the next Business Day if the Term Start Date is a non-Business Day), we will transfer any assets held in or destined for a temporarily unavailable Index Option to the AZL Government Money Market Fund and the assets will remain there
                  until we receive alternate instructions. You can transfer these assets from the AZL Government Money Market Fund at any time to the Variable Options, or on the next Index Anniversary you can transfer them to an Index Option.
If you transfer these assets to an Index Option, they will not be eligible to receive a Performance Credit until at least the second
                  Index Anniversary after an Index Option becomes temporarily unavailable because they can only be allocated to an Index Option on an Index Anniversary.
You can transfer Variable Account Value among the Variable Options on any Business Day, except that any
                  amount held in the AZL Government Money Market Fund that is set to be allocated to an Index Option on the Index Effective Date or an Index Anniversary will not be transferred to the Index Option if it is transferred to another Variable
                  Option.
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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).
•
Variable Options are subject to Contract fees and expenses (e.g. contract maintenance charge) and market risk. Assets
you allocate to them may lose value,
including any Purchase Payments we hold in the AZL Government Money
Market before transferring them to
                              your selected Index Options
.
Automatic Investment Plan (AIP)
The AIP makes additional Purchase Payments to the Contract during the Accumulation Phase on a monthly or
                  quarterly basis by electronic money transfer from your savings, checking or brokerage account. You can participate in AIP by completing our AIP form. Our Service Center must receive your form in Good Order by the 15th of the month (or the
                  next Business Day if the 15th is a non-Business day) in order for AIP to begin that same month. We process AIP Purchase Payments on the 20th of the month, or the next Business Day if the 20th is a non-Business Day. We allocate AIP
                  Purchase Payments according to your Purchase Payment default instructions which must comply with the allocation requirements and restrictions stated in this section. If your Purchase Payment default instructions include a temporarily
                  unavailable Index Option we will continue to hold those assets in the AZL Government Money Market Fund until we receive alternate instructions. You can transfer these assets from the AZL Government Money Market Fund at any time to the
                  Variable Options, or on the next Index Anniversary you can transfer them to an Index Option.
If you transfer these assets to
                  an Index Option, they will not be eligible to receive a Performance Credit until at least the second Index Anniversary after an Index Option becomes temporarily unavailable because they can only be allocated to an Index Option on an Index
                  Anniversary.
We must receive your request to stop or change AIP at our Service Center before the end of the last Business Day immediately before the Business
                  Day we process AIP to make the change that month. If you choose to begin Annuity Payments, AIP ends automatically on the last Business Day before the Annuity Date. We reserve the right to discontinue or modify AIP at any time and for any
                  reason.
For Owners of Qualified Contracts, AIP is not available if you have
                              an Inherited IRA Contract, an Inherited Roth IRA
Contract, or if your Contract is funding a plan that is tax qualified
                              under Section 401 of the Code.
Free Look/Right to Examine Period
If you change your mind about owning the Contract, you can cancel it within ten days after receiving it.
                  We return your Contract Value as of the Business Day we receive your cancellation request in Good Order. This may be more or less than your initial Purchase Payment. If your cancellation request occurs after the Index Effective Date, your
                  Contract Value will include the Daily Adjustment for amounts allocated to the Index Options. If you have an IRA Contract, we refund your Purchase Payments less withdrawals, or Contract Value, if greater. For IRA Contracts, we reserve the
                  right to hold your initial Purchase Payment in the AZL Government Money Market Fund until the free look period ends, and then re-allocate your money, less fees and expenses, according to your Purchase Payment default instructions. If we
                  exercise this right, the Contract Value we use to determine your refund amount on a cancellation request will not include the Daily Adjustment as the Index Effective Date will not yet have occurred. We do not assess a withdrawal charge or
                  deduct any Contract fees or expenses other than the M&E charge if you cancel your Contract during the free look period. If you take a withdrawal (including financial adviser fees that you choose to have us pay from this Contract) that
                  is subject to a withdrawal charge and then cancel your Contract during the free look period, we will refund any previously deducted withdrawal charge upon cancellation. In the Contract, the free look provision is also called the right to
                  examine.
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4.
Valuing Your Contract
Your Contract Value is the total of the Variable Account Value and all Index Option Values.
Variable Account Value increases when….
Variable Account Value decreases when….
• you add assets to a Variable Option by Purchase Payment or
Contract Value transfer, or
• there is positive Variable Option performance
• you take assets out of a Variable Option by
withdrawal (including any financial adviser fees that you
choose to have us pay from this Contract) or Contract Value
transfer,
• there is negative Variable Option performance, or
• we deduct Contract fees and expenses
Contract
fees and
expenses we deduct from the
                              Variable Options include the M&E charge, contract maintenance charge,
withdrawal charge, and transfer fee as
                              described in section 6, Expenses. Financial adviser fees that you choose to have us
pay from this Contract are described in
                              section 1, The Contract. Variable Options include Purchase Payments we hold in
the AZL Government Money Market Fund
                              before transferring them to your selected Index Options.
The Variable Options do not provide any protection against loss of principal.
You can lose principal and previous earnings you allocate to the Variable Options. These losses can be significant
.
Index Option Values increase when….
Index Option Values decrease when….
• you add assets to an Index Option by Purchase Payment or
Contract Value transfer, or
• you receive a positive Performance Credit or Daily Adjustment
• you take assets out of an Index Option by
withdrawal (including any financial adviser fees that you
choose to have us pay from this Contract) or Contract Value
transfer,
• you receive a negative Performance Credit or Daily
Adjustment, or
• we deduct Contract fees and expenses
Contract fees and
                              expenses we deduct from the Index Options include the 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, 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%, 20%, or 30% Buffer.
A negative Performance Credit means that you can lose principal and previous earnings.
These losses can be significant.
We require that the Contract Value after a partial withdrawal must be at least $2,000.*
We reserve the right to treat a partial withdrawal that reduces the Contract Value below this minimum as a full withdrawal.
*
Does not apply to RMD payments under our minimum distribution program.
Determining Variable Account Value
The Separate Account holds the assets you allocate to the Variable Options, including Purchase Payments
                  held in the AZL Government Money Market Fund before we transfer them to the Index Options. The Separate Account is divided into subaccounts, each of which invests exclusively in the shares of a single Variable Option.
We convert amounts you allocate to a Variable Option into subaccount accumulation units. Each subaccount's
                  daily price (accumulation unit value) is based on the Variable Option's price. A Variable Option's price is typically determined at the end of each Business Day,
and any Purchase Payment received at or after the end of the current Business Day receives the next Business Day's price
. A Variable Option's price reflects deduction of its operating expenses.
We calculate your Variable Account Value at the end of each Business Day by multiplying each subaccount's
                  accumulation unit value by its number of accumulation units, and adding those results together for all subaccounts.
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On the Issue Date, the number of accumulation units in each subaccount is equal to the amount allocated to
                  the subaccount divided by its accumulation unit value. At the end of each Business Day, the number of subaccount accumulation units:
•
increase
when you add assets to a Variable Option by Purchase Payment or Contract Value transfer, and
•
decrease
when assets are removed from a Variable Option by transfer, withdrawals you request (including any financial adviser fees that you choose to have us pay from this
                      Contract), or when we deduct Contract fees and expenses other than the M&E charge. The M&E charge reduces the subaccount accumulation unit value, not the number of subaccount accumulation units.
We arbitrarily set the initial accumulation unit value for each subaccount. At the end of each Business
                  Day, we determine the new accumulation unit value for each subaccount by multiplying the prior Business Day's accumulation unit value by the Variable Option's percentage change in price since the prior Business Day. The percentage change
                  in price includes the Variable Option's market performance and the assessed M&E charge.
Example
•
We receive at our Service Center an additional Purchase Payment of $3,000
                      from you before the end of the Business Day.
•
When the New York Stock Exchange closes on that Business Day, we determine
                      that the accumulation unit value is $13.25 for the subaccount of your selected Variable Option.
•
We then divide $3,000 by $13.25 and credit your Contract that night with
                      226.415094 subaccount accumulation units for your selected Variable Option.
How the Crediting Methods Work
The
Index

                  Protection NY Strategy
provides a Performance Credit based on Index Values and Index Return.
•
If the Index Return is positive, the Performance Credit is equal to the
                      Index Return up to the Cap.
•
If the 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 and the loss is:
−
less than or equal to the 30% Buffer, the Performance Credit is zero. We
                      absorb any loss up to the 30% Buffer.
−
greater than the 30% Buffer, the negative Performance Credit is equal to
                      the negative Index Return in excess of the 30% Buffer. You participate in any losses beyond the 30% Buffer.
The
Index

                  Performance Strategy
also provides a Performance Credit based on Index Values and Index Return.
•
If the Index Return is positive, the Performance Credit is equal to:
−
the Index Return up to the Cap for a 1-year Term.
−
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.
•
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.
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•
The Index Protection NY Strategy and Index Performance Strategy allow negative Performance Credits.
A
negative Performance Credit means
                              you can lose principal and previous earnings. The maximum potential
negative Performance Credit is:
                              -90% with a 10% Buffer, -80% with a 20% Buffer, and -70% with a 30% Buffer.
•
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 3-year or 6-year Term 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.
Index Protection NY Strategy
Index Performance Strategy
What is the
asset
protection?
• Most protection – has higher Buffers than the Index
Performance Strategy.
• Buffer absorbs 30% loss, but you receive a negative
Performance Credit for losses greater than 30%.
• Potential for large losses in any one Index Year.
• Impacted by very large negative market movements
because small and moderate negative market
movements are absorbed by the 30% Buffer.
• Less protection – has lower Buffers than the Index
Protection NY Strategy.
• Buffer absorbs 10% or 20% of loss, but you receive a
negative Performance Credit for losses greater than the
10% or 20% Buffer.
• Potential for large losses in any Term.
• 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.
• 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.
What is the
growth
opportunity?
• Less growth opportunity – generally has lower Caps
than the Index Performance Strategy.
• Growth opportunity limited by the Caps.
• Most growth opportunity – generally has higher Caps
than the Index Protection NY Strategy.
• Growth opportunity limited by the Caps 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.
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Index Protection NY Strategy
Index Performance Strategy
What can
change
within a
Crediting
Method?
• Renewal Caps for existing Contracts can change on
each Term Start Date subject to the guaranteed
minimum.
– 1-year Term with 30% Buffer has a 3% minimum Cap.
• With prior written notice we may make all of these
Index Options temporarily unavailable for a year or
more on Term Start Dates occurring on or after the
sixth Index Anniversary if we are unable to support
the minimum Cap.
• The 30% Buffers for the currently available Index
Options cannot change. However, if we add a new
Index Option to your Contract after the Issue Date, we
establish the Buffer for it on the date we add the Index
Option to your Contract. The minimum Buffer is 5%
for a new Index Option.
• Renewal Caps and/or Participation Rates for existing
Contracts can change on each Term Start Date subject to
the guaranteed minimums.
– 1-year Term with 10% Buffer has a 5% minimum Cap.
– 3-year Term with 10% Buffer has a 15% minimum Cap
and 100% minimum Participation Rate.
– 3-year Term with 20% Buffer has a 12% minimum Cap
and 100% minimum Participation Rate.
– 6-year Term with 10% Buffer has a 30% minimum Cap
and 100% minimum Participation Rate.
• With prior written notice we may make Index
Performance Strategy 3-year Term with 20% Buffer Index
Options temporarily unavailable for a year or more on
Term Start Dates occurring on or after the sixth Index
Anniversary if we are unable to support the minimum
Cap.
• The 10% and 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.
•
You participate in any negative Index Return in excess of the Buffer
,
                              which reduces your Contract Value. For
example, for a 10% Buffer we absorb the first -10% of Index Return
                              and you could lose up to 90% of the Index Option
Value.
• Caps 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 Caps and Participation Rates will be reduced to
their respective minimums of 3%,
                              5%, 12%, 15%, 30%, 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 Caps and/or
Participation Rates by cancelling your Contract and purchasing a new
                              Contract.
• If the initial 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 Contract Value less withdrawal charge
and contract maintenance charge. If this occurs on or before the Index
                              Effective Date the Daily
Adjustment does
not
apply. If this occurs after the Index
                              Effective Date, you
are
subject to the Daily Adjustment.
•
Caps and Participation Rates can be different from Index Option to Index Option, and from Contract-to-Contract
depending on Index Effective Date
. For example, assume that on January 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 for new Contracts issued in 2023,
– 14% renewal rate for existing Contracts issued in 2022, and
– 12% renewal 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 Caps and/or Participation Rates. All values below are for illustrative purposes only. The examples do not reflect any Caps and/or Participation Rates that may actually apply to
                  a Contract. The examples do not predict or project the actual performance of the Allianz Index Advantage
®
New York. Although an Index or Indexes will affect your Index Option Values, the Index Options do not directly participate in any stock or equity investment and are not a
                  direct investment in an Index. The Index Values do not include the dividends paid on the stocks comprising an Index. An allocation to an Index Option is not a purchase of shares of any stock or index fund.
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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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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. However, if you specifically direct us to take a partial withdrawal from a specific Index Option we reduce that
                      Index Option Value by the dollar amount you specify (including any withdrawal charge).
−
We then reduce each Index Option Base by the same percentage that the
                      amount withdrawn reduced its associated Index Option Value.
Example
•
Your Contract Value is $100,000 and you selected two Index Options. The
                      first Index Option has an Index Option Value of $75,000 and an Index Option Base of $72,000. The second Index Option has an Index Option Value of $25,000 and an Index Option Base of $22,000. You take a $10,000 partial withdrawal
                      (including any withdrawal charge).
•
This partial withdrawal reduces your Index Option Value by the percentage
                      of Contract Value in each Index Option (Index Option Value ÷ Contract Value).
−
For the first Index Option this percentage is 75% ($75,000 ÷ $100,000) and
                      the $10,000 partial withdrawal reduces this value by $7,500 ($10,000 x 75%). For the second Index Option this percentage is 25% ($25,000 ÷ $100,000) and the $10,000 partial withdrawal reduces this value by $2,500 ($10,000 x 25%).
•
We then reduce each Index Option Base by the same percentage that the
                      amount withdrawn reduced its associated Index Option Value (amount withdrawn from Index Option Value ÷ Index Option Value).
−
For the first Index Option this percentage is 10% ($7,500 ÷ $75,000) and
                      the $10,000 partial withdrawal reduces this value by $7,200 ($72,000 x 10%). For the second Index Option this percentage is also 10% ($2,500 ÷ $25,000) and the $10,000 partial withdrawal reduces this value by $2,200 ($22,000 x 10%).
•
Deductions we make for Contract fees and expenses also reduce these values
                      proportionately in the same way as a partial withdrawal.
First Index Option
Second Index Option
Index Option Value
Index Option Base
Index Option Value
Index Option Base
Prior to partial withdrawal
$ 75,000
$ 72,000
$ 25,000
$ 22,000
$10,000 partial withdrawal
– $7,500
– $7,200
– $2,500
– $2,200
After partial withdrawal
$ 67,500
$ 64,800
$ 22,500
$ 19,800
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•
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 Allocation Option we deduct Contract fees and expenses; we deduct Contract fees
and expenses from each Allocation Option proportionately based on the
                              percentage of Contract Value in each
Allocation Option. However, you can specify from which Allocation
                              Option we deduct a partial withdrawal and any
financial adviser fees that you choose to have us pay from this
                              Contract.
There is no consistent financial advantage
to deducting a partial withdrawal from any specific
                              Allocation Option.
Calculating Performance Credits
We base Performance Credits on Index Values and Index Returns. We measure Index Values on the 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 NY
Strategy 1-year Term
Performance Credit is equal to the negative Index
Return in excess of the 30% Buffer.
If the Index Return is…
• -12%, the Performance Credit is zero.
• -32%, the Performance Credit is -2%.
Performance Credit is equal to the Index Return
subject to the Cap set on the Term Start Date
Assume the Cap is 5%. If the Index Return is…
• 0%, the Performance Credit is zero.
• 4%, the Performance Credit is 4%.
• 12%, the Performance Credit is 5%.
Index Performance
Strategy 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 the 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%.
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 Variable Options are 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 RMD payments, 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).
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. 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 Cap and/or
                      Participation Rate,
(ii)
any Index losses greater than the 10%, 20%, or 30% Buffer, 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, 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.
In extreme circumstances the Daily Adjustment could result in a loss
                  beyond the protection of the 10%, 20%, or 30% Buffer. The maximum potential loss from a negative Daily Adjustment is -99%.
Such
                  losses will be greater if the amount withdrawn (including any financial adviser fees that you choose to have us pay from this Contract) is also subject to a withdrawal charge, or is a deduction of Contract fees and expenses.
A withdrawal taken during the Term may not receive the full benefit of the Buffer because the Daily
                  Adjustment takes into account what may potentially happen between the withdrawal date and the Term End Date. All other factors being equal, even if the current Index return during the Term is greater than the Cap, the Daily Adjustment
                  will usually be lower than the Cap. This is because there is a possibility that the Index return could decrease before the Term End Date. Similarly,
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even though a negative Index return may be within the 10%, 20%, or 30% Buffer, 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 3-year and 6-year Term Index Options 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 3-year and 6-year Term Index Options 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%.
A negative Daily Adjustment may cause you to realize loss of principal and previous earnings.
The Daily Adjustment's risks (including the impact on Contract Value used to determine Contract fees and
                  charges) 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 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 by calling (800) 624-0197, or visiting our website at
allianzlife.com/new-york
.
Performance Locks
We must receive a manual Performance Lock request in Good Order before the end of the current Business Day
                  to lock an Index Option on that day. Otherwise the Lock Date will occur on the next Business Day that your request is in Good Order. We do not allow Performance Locks to occur on 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 an automatic Performance Lock based on
                  targets you set only through your account on our website. When you establish your account you must provide us with an email address. You can set upper and/or lower targets for each Index Option each Term.
Setting a target close to the current Index Option Value return may cause a Performance Lock to occur very quickly.
You can change or cancel targets at any time before we execute a Performance Lock. Each Index Option's targets automatically expire on the earlier of the Lock Date, or the
                  last Business Day before the Term End Date. You can also "over-ride" a target by requesting a manual Performance Lock before the target is reached. We determine if a target is reached using the Index Option Value return determined at the
                  end of the prior Business Day using the prior day's Daily Adjustment. We then execute the Performance Lock using the Index Option Value return determined at the end of Business Day on the Lock Date.
By setting targets you are authorizing us to automatically execute a Performance Lock at the end of the Business Day on the Lock Date
                  upon which the target is reached, unless you cancel the lock.
We will send an email notice once the Daily Adjustment for an Index Option reaches a target. To
                  cancel an automatic Performance Lock after a target is reached, we must receive your request in Good Order
before
the end of the Business Day on the Lock Date.
For example, assume the Cap for the Index Performance Strategy 1-year Term with the S&P 500
®
Index is 10.25% and you set a target of 9.50%. On a Tuesday,
                  your Index Option Value return (which includes the Daily Adjustment) determined at the end of the Business Day is 9.63%. We will send you an email notice and assuming Wednesday is a Business Day, we will execute the Performance Lock on
                  Wednesday (which will be your Lock Date) using the Index Option Value return determined at the end of the Business Day. If Wednesday is a non-Business Day, your Lock Date would instead be Thursday (assuming it is a Business Day).
Note that the Index Option Value return on the Lock Date could be greater or less than your target of 9.50%, or Tuesday's Index Option
                  Value return of 9.63%.
A Performance Lock can be executed once each Term for each of these Index Options. A Performance Lock
                  applies to the total Index Option Value in an Index Option, and not just a portion of that Index Option Value. We use the Daily Adjustment calculated at the end of the current Business Day on the Lock Date to determine your locked Index
                  Option Value. This "locked" Index Option Value may be more or less than the "unlocked" Index Option Value that is available for your review on the Lock Date because the unlocked Index Option Value was determined at the end of the
prior
Business Day. After the Lock Date, the Index Option Value stays in the
                  locked Index Option for the remainder of the Term. Daily Adjustments do not apply to a locked Index Option for the remainder of the Term and the locked Index Option Value will not receive a Performance Credit on the Term End Date. 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, 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, we deduct these amounts proportionately from the Index Option Values (unless you provide us with alternate instructions), which will decrease any locked Index
                  Option Value. 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
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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 Cap, or Participation Rate for the new Term.
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. 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. 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, you may receive less than the full protection of the Buffer that you would have received if you waited for us to apply the Performance Credit on the Term End Date.
We will not provide advice or
                              notify you regarding whether you should execute a Performance Lock or the optimal
time for doing so. We will not
                              warn you if you execute a Performance Lock at a sub-optimal time. We are not
responsible for any losses related
                              to your decision whether or not to execute a Performance Lock.
Optional Reallocation Program for the 1-year Term Index Options
Index Option performance may cause the percentage of total Index Option Value in each 1-year Term Index
                  Option to change. Reallocating can help you maintain your selected 1-year Term Index Option allocation percentages. You can direct us to automatically reallocate your 1-year Term Index Option Values on each Term End Date (or on the next
                  Business Day if the Term End Date is a non-Business Day) according to your instructions. We must receive your reallocation instructions in Good Order at our Service Center before the end of the Business Day we reallocate. If we make an
                  Index Option temporarily unavailable after we receive your instructions in Good Order we will contact you and your Financial Professional for alternate instructions. If we do not receive alternate instructions before the end of the
                  Business Day we reallocate, we will transfer any assets held in or destined for a temporarily unavailable Index Option to the AZL Government Money Market Fund. You can transfer these assets from the AZL Government Money Market Fund at any
                  time to the Variable Options, or on the next Index Anniversary you can transfer them to an Index Option.
If you transfer
                  these assets to an Index Option, they will not be eligible to receive a Performance Credit until at least the second Index Anniversary after an Index Option becomes temporarily unavailable because they can only be allocated to an Index
                  Option on an Index Anniversary.
We reserve the right to discontinue or modify the optional reallocation program at any time and for any reason. To end this
                  program, we must receive your request at our Service Center before the end of the last Business Day immediately before the Term End Date.
You cannot participate in the
                              Optional Reallocation Program if you select a 3-year or 6-year Term Index Option.
If
you are participating in this program and select a 3-year or 6-year
                              Term Index Option, on the Term Start Date your
participation in this program ends and we will not reallocate your
                              1-year Term Index Option Values.
5.
Variable Options
Information regarding each Variable Option, including its (i) name, (ii) investment
                  objectives, (iii) investment adviser and any subadviser, (iv) current expenses, and (v) performance is available in Appendix C – Variable Options Available Under the Contract. Each Variable Option has issued a prospectus that contains
                  more detailed information about the Variable Option. You should read the prospectuses for the Variable Options carefully before investing. The Variable Options' prospectuses and other information can be found online at
allianzlife.com/new-york/variableoptions
. You can also
                  request this information at no cost by calling (800) 624-0197, by sending an email request to contact.us@allianzlife.com, or by contacting your Financial Professional.
There are potential risks associated with this Contract's Variable Options and their investment
                  strategies. Depending on market conditions, you can gain or lose value by investing in the Variable Options. In the future, we may add, eliminate or substitute Variable Options to the extent permitted by the federal securities laws and,
                  when required, the SEC.
Currently, the Variable Options are not publicly available mutual funds. They are available only as
                  Variable Options in variable annuity contracts or variable life insurance policies issued by life insurance companies or in some cases, through
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participation in certain qualified pension or retirement plans. A material conflict of interest may arise between
                  insurance companies, owners of different types of contracts, and retirement plans or their participants. Each Variable Option's Board of Directors monitors for material conflicts, and determines what action, if any, should be taken to
                  address any conflicts.
The names, investment objectives and policies of certain Variable Options may be similar to the names,
                  investment objectives and policies of other portfolios managed by the same investment advisers. Although the names, objectives and policies may be similar, the Variable Options' investment results may be higher or lower than these other
                  portfolios' results. The investment advisers cannot guarantee, and make no representation, that these similar funds' investment results will be comparable even though the Variable Options have the same names, investment advisers,
                  objectives, and policies.
Each Variable Option offered by the Allianz Variable Insurance Products Fund of Funds Trust (Allianz VIP
                  Fund of Funds Trust) is a "fund of funds" and diversifies its assets by investing primarily in shares of several other affiliated mutual funds.
The Variable Options may pay 12b-1 fees to the Contracts' distributor, our affiliate, Allianz Life
                  Financial Services, LLC, for distribution and/or administrative services. In addition, we may enter into certain arrangements under which we, or Allianz Life Financial Services, LLC, are compensated by the Variable Options' advisers,
                  distributors and/or affiliates for administrative services and benefits we provide to these Variable Options. The compensation amount usually is based on the Variable Options' aggregate assets purchased through contracts we issue or
                  administer. Some advisers may pay us more or less than others. The maximum service fee we currently receive from any variable investment option in any variable annuity contract we offer is 0.35% annually of the average aggregate amount
                  invested by us in the variable investment options.
The Allianz VIP Fund of Funds Trust underlying funds do not pay 12b-1 fees or service fees to the Trust,
                  and the Trust does not charge 12b-1 fees or service fees. The Allianz VIP Fund of Funds Trust underlying funds or their advisers may pay service fees to us and our affiliates for providing customer service and other administrative
                  services to you. Service fees may vary depending on the underlying fund.
Allianz Investment Management LLC, the Variable Options' investment adviser, is affiliated with us
                  through common ownership.
Substitution of Variable Options and Limitation on Further
                  Investments
We may substitute another Variable Option for one of your selected Variable Options, for any reason in
                  our sole discretion. To the extent required by the Investment Company Act of 1940 or other applicable law, we do not substitute any shares without SEC approval and providing you notice. We may make substitutions with respect to your
                  existing allocations, future Purchase Payment allocations, or both. New or substitute Variable Options may have different fees and expenses, and their availability may be limited to certain purchaser classes. We may limit further Variable
                  Option allocations if marketing, tax or investment considerations warrant, or for any reason in our sole discretion. We may also close Variable Options to additional allocations. The fund companies that sell Variable Option shares to us,
                  pursuant to participation agreements, may end those agreements and discontinue offering us their shares.
Transfers Between Variable Options
You can transfer Variable Account Value among the Variable Options on any Business Day. Transfers are
                  subject to a transfer fee as stated in section 6, Expenses.
The following applies to any transfer.
•
Your request for a transfer must clearly state the Variable Options
                      involved and how much to transfer.
•
Your right to make transfers is subject to the Excessive Trading and Market
                      Timing policy discussed later in this section.
•
Variable Account Value transfers between Variable Options do not change
                      your Purchase Payment default instructions.
Any amount held in the AZL Government Money Market Fund that is set to be allocated to an Index Option
                  on the Index Effective Date or an Index Anniversary will not be transferred to the Index Option if it is transferred to another Variable Option.
We process transfer requests based on prices next determined after we receive your request in Good Order
                  at our Service Center. If we do not receive your transfer request
before
the end of the
current
Business Day,
                  even if due to our delay in answering your call or a delay caused by our electronic systems, you receive the
next
Business Day's prices. For jointly
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owned Contracts, unless you require us to obtain signatures from both Joint Owners, we accept transfer instructions from
                  any Joint Owner. We may also allow you to authorize someone else to request transfers on your behalf.
Electronic Transfer and Allocation Instructions
We use reasonable procedures to confirm that electronic transfer request or allocation instructions given
                  to us are genuine. If we do not use such procedures, we may be liable for any losses due to unauthorized or fraudulent instructions. We record telephone instructions and log all fax, email and website instructions. We reserve the right to
                  deny any transfer request or allocation instruction change, and to discontinue or modify our electronic instruction privileges at any time for any reason.
Please note that telephone, fax, email and/or the website may not always be available. Any electronic
                  system, whether it is ours, yours, your service provider's, or your Financial Professional's, can experience outages or slowdowns for a variety of reasons, which may delay or prevent our processing of your transfer request or allocation
                  instruction change. Although we have taken precautions to help our systems handle heavy use, we cannot promise complete reliability. If you are experiencing problems, you should submit your instructions in writing to our Service Center.
By authorizing electronic instructions, you authorize us to accept and act upon these instructions for
                  your Contract. There are risks associated with electronic communications that do not occur with a written request. Anyone authorizing or making such requests bears those risks. You should protect your website password, because the website
                  is available to anyone with your password; we cannot verify that the person providing instructions on the website is you, or is authorized by you.
Excessive Trading and Market Timing
We discourage and do not accommodate frequent transfers. We may restrict or modify your right to make
                  transfers to prevent any use that we consider to be part of a market timing program.
Frequent transfers, programmed transfers, transfers into and then out of a Variable Option in a short
                  period of time, and transfers of large amounts at one time (collectively referred to as "potentially disruptive trading") may have harmful effects for other Owners, Annuitants and Beneficiaries. These risks and harmful effects include the
                  following.
•
Dilution of the interests of long-term investors in a Variable Option, if
                      market timers or others transfer into a Variable Option at prices that are below their true value, or transfer out at prices above their true value.
•
An adverse effect on portfolio management, such as causing a Variable
                      Option to maintain a higher level of cash or causing a Variable Option to liquidate investments prematurely.
•
Increased brokerage and administrative expenses.
We attempt to protect our Owners and the Variable Options from potentially disruptive trading through our
                  Excessive Trading and Market Timing policies and procedures. Under these policies and procedures, we may modify your transfer privileges for some or all of the Variable Options as follows:
•
Limit transfer frequency (for example, prohibit more than one transfer a
                      week, or more than two a month, etc.).
•
Restrict the transfer method (for example, requiring all transfers be sent
                      by first-class U.S. mail and rescinding electronic transfer privileges).
•
Require a minimum time period between each transfer into or out of the same
                      Variable Option. Our current Excessive Trading and Market Timing policy, which is subject to change without notice, prohibits "round trips" within 14 calendar days. We do not include transfers into and/or out of the AZL Government
                      Money Market Fund when available in your Contract or any automatic transfers made under any of our programs or Contract features. Round trips are transfers into and back out of the same Variable Option, or transfers out of and back
                      into the same Variable Option.
•
Refuse transfer requests made on your behalf by an asset allocation and/or
                      market timing service.
•
Limit the dollar amount of any single Purchase Payment or transfer request
                      to a Variable Option.
•
Prohibit transfers into specific Variable Options.
•
Impose other limitations or restrictions to the extent permitted by federal
                      securities laws.
We also reserve the right to reject any specific Purchase Payment allocation or transfer request from any
                  person if in the investment adviser's, subadviser's or our judgment, a Variable Option may be unable to invest effectively in accordance with its investment objectives and policies. This could occur, for example, where frequent or rapid
                  trading causes the investment adviser to hold an excess of uninvested cash to meet redemption requests, or to sell investment positions to fund redemptions, thereby affecting Variable Option returns. Similarly, rapid or frequent trading
                  may cause a Variable Option to incur excessive transaction fees, which also could affect performance.
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We retain some discretion in determining what actions constitute potentially disruptive trading and in
                  determining when and how to impose trading restrictions. Currently, we attempt to
deter
disruptive trading as follows. If a transfer(s) is/are identified as potentially disruptive trading, we may (but are not required to) send a warning letter. If the conduct continues and we determine it
                  constitutes disruptive trading, we also impose transfer restrictions. Transfer restrictions may include refusing electronic transfers and requiring all transfers be sent by first-class U.S. mail. If the disruptive trading affects only a
                  single Variable Option, we may prohibit transfers into or Purchase Payment allocations to that Variable Option. We do not enter into agreements permitting market timing and would not permit activities determined to be disruptive trading
                  to continue. We also reserve the right to impose transfer restrictions if we determine, in our sole discretion, that transfers disadvantage other Owners. We notify you in writing if we impose transfer restrictions on you.
We adopted these policies and procedures as a preventative measure to protect all Owners from the
                  potential effects of disruptive trading, while also abiding by your legitimate interest in diversifying your investment and making periodic asset re-allocations based on your personal situation or overall market conditions. We attempt to
                  protect your interests in making legitimate transfers by providing reasonable and convenient transfer methods that do not harm other Owners.
We may make exceptions when imposing transfer restrictions if we determine a transfer is appropriate,
                  although it may technically violate our policies and procedures discussed here. In determining if a transfer is appropriate, we may, but are not required to, take into consideration its relative size, whether it was purely a defensive
                  transfer into the AZL Government Money Market Fund, and whether it involved an error or similar event. We may also reinstate electronic transfer privileges after we revoke them, but we do not reinstate these privileges if we believe they
                  might be used for future disruptive trading.
We cannot guarantee the following.
•
Our monitoring will be 100% successful in detecting all potentially
                      disruptive trading activity.
•
Revoking electronic transfer privileges will successfully deter all
                      potentially disruptive trading.
In addition, some of the Variable Options are available to other insurance companies and we do not know
                  if they adopted policies and procedures to detect and deter potentially disruptive trading, or what their policies and procedures might be. Because we may not be completely successful at detecting and preventing market timing activities,
                  and other insurance companies that offer the Variable Options may not have adopted adequate market timing procedures, there is some risk that market timing activity may occur and negatively affect other Owners.
We may, without prior notice to any party, take whatever action we deem appropriate to comply with any
                  state or federal regulatory requirement. In addition, purchase orders for a Variable Option's shares are subject to acceptance by that Variable Option's manager. We reserve the right to reject, without prior notice, any Variable Option
                  transfer request or Purchase Payment if the purchase order is rejected by the investment manager. We have entered into agreements required under SEC Rule 22c-2 (Rule 22c-2 agreements) whereby, upon request by an underlying fund or its
                  designee, we must provide information about you and your trading activities to the underlying fund or its designee. Under the terms of the Rule 22c-2 agreements, we are required to: (1) provide details concerning every purchase,
                  redemption, transfer, or exchange of Variable Options during a specified period; and (2) restrict your trading activity if the party receiving the information so requests. Under certain Rule 22c-2 agreements, if we fail to comply with a
                  request to restrict trading activity, the underlying fund or its designee may refuse to accept buy orders from us until we comply.
Variable Options may add or change policies designed to restrict market timing activities. For example,
                  Variable Options may impose restrictions on transfers between Variable Options in an affiliated group if the investment adviser to one or more of the Variable Options determines that the person requesting the transfer has engaged, or is
                  engaging in, market timing or other abusive trading activities. In addition, a Variable Option may impose a short-term trading fee on purchases and sales within a specified period. You should review the Variable Options' prospectuses
                  regarding any applicable transfer restrictions and the imposition of any fee to discourage short-term trading. The imposition of these restrictions would occur as a result of Variable Option restrictions and actions taken by the Variable
                  Options' managers.
This Contract is not designed for professional market timing
                              organizations, or other persons using programmed, large, or
frequent transfers, and we may restrict excessive or inappropriate
                              transfer activity.
The retention of some level of discretion by us may result in disparate treatment among persons engaging
                  in potentially disruptive trading, and it is possible that some persons could experience adverse consequences if others are able to engage in potentially disruptive trading practices that have negative effects.
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Voting Privileges
We legally own the Variable Option shares. However, when a Variable Option holds a shareholder vote that
                  affects your investment, we ask you to give us voting instructions. We then vote all of our shares, including any we own on our behalf, in proportion to those instructions. Because most Owners do not give us instructions and we vote
                  shares proportionally, a small number of Owners may determine a vote's outcome. If we determine we no longer need to get your voting instructions, we will decide how to vote the shares. Only Owners have voting privileges. Annuitants,
                  Beneficiaries, Payees and other persons have no voting privileges unless they are also Owners.
We determine your voting interest in a Variable Option as follows:
•
You can provide voting instructions based on the dollar value of the
                      Variable Option's shares in your Contract's subaccount. We calculate this value based on the number and value of accumulation units for your Contract on the record date. We count fractional units.
•
You receive proxy materials and a voting instruction form.
6.
Expenses
Contract fees and expenses reduce your investment return and are described here in detail. We set the
                  Contract fees and expenses on the Issue Date and they cannot change.
Base Contract Expenses (Mortality and Expense Risk (M&E)
                  Charge)
The base contract expense is referred to as the "mortality and expense risk charge" in your Contract, or
                  "M&E charge" elsewhere in this prospectus. The M&E charge compensates us for providing all your Contract's benefits, including our contractual obligation to make Annuity Payments and certain Contract and distribution expenses. The
                  M&E charge also compensates us for assuming the expense risk that the current charge is less than future Contract administration costs as well as the cost of providing certain features under the Contract. If the M&E charge covers
                  these costs and risks, any excess is profit to us. We anticipate making such a profit.
Base Contract Expenses
(as a percentage of each Variable Option's net asset value)
Mortality and Expense Risk (M&E) Charge
(1)
1.25%
(1)
Upon the death of the Owner, we continue to assess this M&E charge for
                      amounts allocated to the Variable Options under death benefit payment Option B, and with optional payments under death benefit payment Option C, as noted in section 10, Death Benefit. If there are multiple Beneficiaries, we continue
                      to assess the M&E charge after receiving the first Valid Claim until complete distribution of the death benefit.
The M&E charge is an annualized rate that reduces the net asset value that we use to calculate each
                  subaccount's accumulation unit value on each Business Day during the Accumulation Phase. The net asset value is the price of an underlying Variable Option. We do not assess the M&E charge against the Index Options, or during the
                  Annuity Phase.
Contract Maintenance Charge (Administrative Expenses)
Your annual contract maintenance charge is $50. This charge is for Contract administration and
                  maintenance expenses. We waive this charge as follows:
•
During the Accumulation Phase, if the total Contract Value for all Allianz
                      Index Advantage
®
New York Contracts you own
                      is at least $100,000 at the end of the last Business Day before the Contract Anniversary, or if the Contract Value for this single Allianz Index Advantage
®
New York Contract is at least $100,000 on the Contract Anniversary. We determine the total Contract
                      Value for all individually owned Allianz Index Advantage
®
New York Contracts by using the Owner's social security number, and for non-individually owned Allianz Index Advantage
®
New York Contracts we use the Annuitant's social security number.
•
During the Annuity Phase.
•
When paying death benefits.
We deduct the contract maintenance charge:
•
on a dollar for dollar basis from the Contract Value on the Contract
                      Anniversary (or the next Business Day if the Contract Anniversary is a non-Business Day), and
•
we deduct it proportionately from each Allocation Option.
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If you take a full withdrawal from your Contract (other than on a Contract Anniversary), we deduct the
                  full contract maintenance charge. We do not treat the deduction of the contract maintenance charge as a withdrawal when computing your Guaranteed Death Benefit Value.
Withdrawal Charge
You can take withdrawals during the Accumulation Phase. A withdrawal charge applies if any part of a
                  withdrawal comes from a Purchase Payment that is still within the withdrawal charge period. We assess the withdrawal charge against the Withdrawal Charge Basis, which is equal to total Purchase Payments, less any Purchase Payments
                  withdrawn (including any Penalty-Free Withdrawals), and less any applicable withdrawal charge. We do not reduce the Withdrawal Charge Basis for any amounts we deduct to pay other Contract fees and expenses. For withdrawals that are
                  subject to a withdrawal charge, to pay your requested withdrawal amount we deduct
more
than the amount you request and apply a withdrawal charge to the Purchase Payments deducted. Please see #3 in the following example.
We do not assess a withdrawal charge on Penalty-Free Withdrawals or amounts we deduct
                  to pay Contract expenses, other than the withdrawal charge.
Amounts withdrawn to pay financial adviser fees are subject to a withdrawal charge if they exceed
                  the free withdrawal privilege, and will reduce the Contract Value and Guaranteed Death Benefit Value
(perhaps significantly
                  and by more than the amount withdrawn)
.
Calculating a Withdrawal Charge
Example
For purposes of calculating any withdrawal charge, we withdraw
Purchase Payments on a "first-in-first-out" (FIFO) basis and we
process withdrawal requests as follows.
You make an initial Purchase Payment of $30,000 and make
another Purchase Payment in the first month of the second
Contract Year of $70,000. In the third month of the third
Contract Year, your Contract Value is $110,000 and you
request a $52,000 withdrawal. We withdraw money and
compute the withdrawal charge as follows.
1.
First we withdraw from Purchase Payments that we have had
for six or more complete years, which is your Contract's
withdrawal charge period. This withdrawal is not subject to a
withdrawal charge and it reduces the Withdrawal Charge Basis
dollar for dollar.
1
.
Purchase Payments beyond the withdrawal charge
period.
All payments are still within the withdrawal charge
period, so this does not apply.
2.
Amounts available as a Penalty-Free Withdrawal. This includes
partial withdrawals you take during the Accumulation Phase
under the free withdrawal privilege or waiver of withdrawal
charge benefit, and RMD payments you take under our
minimum distribution program. Penalty-Free Withdrawals are
not subject to a withdrawal charge, but they reduce the
Withdrawal Charge Basis dollar for dollar, and are withdrawn
from Purchase Payments on a FIFO basis.
2
.
Amounts available as a Penalty-Free Withdrawal.
You
did not take any other withdrawals this year, so the entire
free withdrawal privilege (10% of your total Purchase
Payments, or $10,000) is available to you without incurring a
withdrawal charge. We also deduct this $10,000 from the
first Purchase Payment.
3.
Next, on a FIFO basis, we withdraw from Purchase Payments
within your Contract's withdrawal charge period and assess a
withdrawal charge. Withdrawing payments on a FIFO basis
may help reduce the total withdrawal charge because the
charge declines over time. We determine your total withdrawal
charge by multiplying each payment by its applicable
withdrawal charge percentage and then totaling the charges.
These withdrawals reduce the Withdrawal Charge Basis.
The withdrawal charge as a percentage of each Purchase
Payment withdrawn is as follows.
3
.
Purchase Payments within the withdrawal charge period
on a FIFO basis.
The total amount we withdraw from the
first Purchase Payment is $20,000, which is subject to a 6%
withdrawal charge, and you receive $18,800. We determine
this amount as follows:
(
amount withdrawn) x (1 – withdrawal charge) = the
amount you receive, or:
$20,000 x 0.94 = $18,800
The total amount we withdraw from the second Purchase
Payment is $24,946, which is subject to a 7% withdrawal
charge, and you receive $23,200. We determine this amount
as follows:
(
amount withdrawn) x (1 – withdrawal charge) = the
amount you receive, or:
$24,946 x 0.93 = $23,200
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Calculating a Withdrawal Charge
Example
Number of Complete
Years Since
Purchase Payment
Withdrawal Charge
Amount
0
1
2
3
4
5
6 years or more
8%
7%
6%
5%
3%
1%
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 $54,946 from your Contract, of
which you received $52,000 and paid a withdrawal
charge of $2,946. We also reduced the 1st Purchase
Payment from $30,000 to $0, and your 2nd Purchase
Payment from $70,000 to $45,054 ($70,000 – $24,946).
Please note that this example may
                              differ from your
actual results due to rounding.
Upon a full withdrawal, we first deduct any contract maintenance charge from your Contract Value before we
                  calculate the withdrawal charge. We then deduct any applicable withdrawal charge from the total remaining Contract Value and send you the remaining amount. For a partial withdrawal we pay you the amount you requested and deduct this
                  amount and any withdrawal charge from the total Contract Value. We deduct any partial withdrawal (including any withdrawal charge) proportionately from each Allocation Option unless you provide us with alternate instructions. If a partial
                  withdrawal occurs on a day that we also deduct the contract maintenance charge, we deduct this charge before we calculate and deduct the partial withdrawal and any withdrawal charge from the Contract Value.
The withdrawal charge compensates us for expenses associated with selling the Contract.
Reduction or Elimination of the Withdrawal Charge
We may reduce or eliminate the withdrawal charge when the Contract is sold under circumstances that
                  reduce its sales expenses. We will implement this withdrawal charge reduction or elimination in a nondiscriminatory manner. For example, if a large group of individuals purchases Contracts or if a prospective purchaser already has a
                  relationship with us. We may choose not to deduct a withdrawal charge under a Contract issued to an officer, director, or employee of Allianz Life of New York or any of its affiliates. Also, we may reduce or eliminate the withdrawal
                  charge when a Contract is sold by a Financial Professional appointed with Allianz Life of New York to any members of his or her immediate family and the Financial Professional waives their commission. We must pre-approve any withdrawal
                  charge reduction or elimination.
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New York Variable Annuity Prospectus – May 1, 2023
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•
Upon a full withdrawal the free withdrawal privilege is not available to you, and we apply a withdrawal charge
against Purchase Payments that are still within the withdrawal charge
                              period, including amounts previously
withdrawn under the free withdrawal privilege.
On a full withdrawal your Withdrawal Charge Basis may be
greater than your Contract Value because the
                              following reduce your Contract Value, but do not reduce your
Withdrawal Charge Basis:
–
deductions we make for Contract fees and expenses other than the withdrawal charge, and/or
–
poor performance.
This also means that upon a full
                              withdrawal you may not receive any money.
•
Withdrawals (including any financial adviser fees that you choose to have us pay from this Contract)
are 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 is affected
                              by the Daily Adjustment
(which can be negative) unless
taken on a Term End Date. If you
                              have Index Options with different Term End Dates, there may be no time you
can take a withdrawal without
                              application of at least one Daily Adjustment. 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.
Transfer Fee
The first twelve transfers between Variable Options every Contract Year are free. After that, we deduct
                  a $25 transfer fee for each additional transfer. We count all transfers made in the same Business Day as one transfer. We do not count transfers between the Variable Options and Index Options or reallocation of Index Option Value among
                  the Index Options against the free transfers we allow and these transfers are not subject to a transfer fee. The transfer fee continues to apply under death benefit payment Option B, and with optional payments under death benefit payment
                  Option C as noted in section 10, Death Benefit.
We deduct the transfer fee on a dollar for dollar basis from the amount of Variable Account Value being
                  transferred before allocating the remaining Variable Account Value to your selected Variable Options. We do not treat the deduction of the transfer fee as a withdrawal when computing the Guaranteed Death Benefit Value under the
                  Traditional Death Benefit.
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 NY Strategy and
Index Performance Strategy
Daily Adjustment Maximum Potential Loss
99%
(as a percentage of Index Option Value, applies for distributions from an Index Option
                              before
any 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. New York does not currently assess a premium tax.
Income Tax
Currently, we do not deduct any Contract related income tax we incur, although we reserve the right to
                  do so in the future.
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Variable Option Expenses
Charges deducted from and expenses paid out of the assets of the Variable Options are described in the
                  Variable Options' prospectuses.
These expenses reduce the Variable Options' performance and, therefore, negatively affect your Contract
                  Value and any payments based on Contract Value.
7.
Access to Your Money
Your Contract Value is available under the following circumstances:
•
by taking a withdrawal (including financial adviser fees that you choose to
                      have us pay from this Contract; withdrawals under the free withdrawal privilege, systematic withdrawal program, and waiver of withdrawal charge benefit; and for Qualified Contracts only, RMD payments under our minimum distribution
                      program);
•
by taking Annuity Payments; or
•
when we pay a death benefit.
You can take withdrawals during the Accumulation Phase. We process withdrawal requests based on values
                  next determined after receipt of the request in Good Order at our Service Center. Values are normally determined at the end of each Business Day. We process any withdrawal request received at or after the end of the current Business Day
                  using values determined on the next Business Day.
Any partial withdrawal must be for at least $100.* The Contract Value after a partial withdrawal must be
                  at least $2,000.*
Any partial withdrawal that reduces the Contract Value below this minimum will be treated as a full
                  withdrawal. A full withdrawal will cause the Contract
and all of its benefits
to end.
*
Does not apply to RMD payments under our minimum distribution program.
We deduct any partial withdrawal (including any withdrawal charge) proportionately from each Allocation
                  Option unless you provide us with alternate instructions. The Index Option Value from which a partial withdrawal is deducted during a Term will include any applicable Daily Adjustment.
When you take a full withdrawal of the Contract Value we process your request on the Business Day we
                  receive it in Good Order at our Service Center as follows:
•
total Contract Value including any Daily Adjustment,
•
less any 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 Values 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 contract maintenance charge. Partial withdrawals (including any withdrawal charge) reduce Contract Value dollar for dollar, and reduce the Guaranteed Death Benefit
                  Value proportionately. The reduction to Contract Value also reduces RMD payments which are based on Contract Value. 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).
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•
Withdrawals are 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 one check payable to both Joint Owners and we tax
                              report to each Joint Owner individually.
Tax reporting each Joint Owner
                              individually can create a discrepancy in taxation if only one Joint Owner is under
age 59
1
∕
2
because that Joint Owner will be subject to the 10% additional federal tax.
•
We may be required to provide information about you or your Contract to government regulators. We may also be
required to stop Contract disbursements and thereby refuse any
                              transfer requests, and refuse to pay any withdrawals
(including a full withdrawal), or death benefits until we receive
                              instructions from the appropriate regulator. If,
pursuant to SEC rules, the AZL Government Money Market Fund suspends
                              payment of redemption proceeds in
connection with a fund liquidation, we will delay payment of any
                              transfer, full or partial withdrawal, or death benefit
from the AZL Government Money Market Fund subaccount until the fund is
                              liquidated.
Free Withdrawal Privilege
Each Contract Year during the Accumulation Phase, you can withdraw up to 10% of your total Purchase
                  Payments without incurring a withdrawal charge (the free withdrawal privilege). Any unused free withdrawal privilege in one Contract Year is not added to the amount available to you in the next Contract Year. Withdrawals from Purchase
                  Payments that are outside the six year withdrawal charge period are not subject to a withdrawal charge and do not reduce your free withdrawal privilege. RMD payments you take under our minimum distribution program and withdrawals under
                  the waiver of withdrawal charge benefit are not subject to a withdrawal charge, but do reduce your free withdrawal privilege. Amounts we deduct for any financial adviser fees that you choose to have us pay from this Contract also reduce
                  your free withdrawal privilege.
Example
Assume your initial Purchase Payment 10 years ago was $90,000, and you made a second $100,000 Purchase
                  Payment 3 years ago. You take a RMD payment of $1,500 and withdraw $150,000 when the Contract Value is $275,000. The RMD payment is not subject to a withdrawal charge, but reduces the amount available under the free withdrawal privilege
                  to $17,500 (10% x $190,000 total Purchase Payments = $19,000 - $1,500 RMD payment). After the RMD payment, $107,500 is available to you without a withdrawal charge: the initial $90,000 Purchase Payment that is beyond the 6-year withdrawal
                  charge period, and $17,500 remaining free withdrawal privilege. The remaining $42,500 of your requested withdrawal would be subject to a 5% withdrawal charge.
The free withdrawal privilege is not available upon
                              a full withdrawal.
Systematic Withdrawal Program
The systematic withdrawal program can provide automatic withdrawal payments to you during the
                  Accumulation Phase. You can request to receive these withdrawal payments monthly, quarterly, semi-annually or annually. However, if your Contract Value is less than $25,000, we only make annual payments. The minimum amount you can
                  withdraw under this program is $100 and there is no maximum. We make systematic withdrawals on the ninth of the month, or the next Business Day if the ninth is a non-Business Day. We must receive your systematic withdrawal program form
                  instructions in Good Order at our Service Center before the end of the Business Day before we process these withdrawals, or your program does not begin until the next month. This program ends at the earlier of your request, or when you
                  withdraw your total Contract Value. However, we reserve the right to discontinue or modify the systematic withdrawal program at any time and for any reason.
•
During the withdrawal charge period, systematic withdrawals in excess of the free withdrawal privilege are
subject to a withdrawal charge, ordinary income
                              taxes, and a 10% additional federal tax if you are under age
59
1
∕
2
.
•
The systematic withdrawal program is not available while you are receiving RMD payments.
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Minimum Distribution Program and Required Minimum Distribution
                  (RMD) Payments
If you own an IRA or SEP IRA Contract, you can participate in the minimum distribution program during
                  the Accumulation Phase. If you have an Inherited IRA Contract or Inherited Roth IRA Contract we generally require you to participate in the minimum distribution program when you purchase this Contract. Under this program, we make payments
                  to you designed to meet the applicable minimum distribution requirements imposed by the Code for this Qualified Contract. RMD payments are not subject to a withdrawal charge, but they reduce the free withdrawal privilege amount during the
                  Contract Year. We do not consider deductions we make for financial adviser fees that you choose to have us pay from this Contract to be RMD payments. However, Contract Value is one of the components we use to calculate RMD payments, so
                  these deductions may reduce your future RMD payments. We apply the Daily Adjustment to the Index Option Values if RMD payments are deducted 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 make RMD payments on the ninth of the month, or the next Business Day if the ninth is a non-Business Day. We must receive your program form instructions in Good Order at our Service Center before the end of the Business Day before we
                  process these payments, or your program does not begin until the next month.
We reserve the right to discontinue or modify the minimum distribution program subject to the
                  requirements of law.
•
You should consult a tax adviser before purchasing a Qualified Contract that is subject to RMD payments.
•
The minimum distribution program is not available while you are receiving systematic withdrawals, or if you
have a Qualified Contract purchased through a
                              qualified plan.
Waiver of Withdrawal Charge Benefit
After the first Contract Year, if any Owner becomes confined to a nursing home for a period of at least
                  90 consecutive days and a physician certifies that continued confinement is necessary, you can take withdrawals and we waive the withdrawal charge. We apply the Daily Adjustment to the Index Option Values if withdrawals under this benefit
                  are deducted on days other than a Term End Date. This waiver is not available if any Owner was confined to a nursing home on the Issue Date. We base this benefit on the Annuitant for non-individually owned Contracts. We must receive proof
                  of confinement in Good Order for each withdrawal before we waive the withdrawal charge. Withdrawals under this benefit reduce the free withdrawal privilege amount during the Contract Year.
Suspension of Payments or Transfers
We may be required to suspend or postpone transfers or payments for withdrawals for more than seven days
                  after receipt of your request in Good Order at our Service Center, for any period when:
•
the New York Stock Exchange is closed (other than customary weekend and
                      holiday closings);
•
trading on the New York Stock Exchange is restricted;
•
an emergency (as determined by the SEC) exists as a result of which
                      disposal of the Variable Option shares is not reasonably practicable or we cannot reasonably value the Variable Option shares; or
•
during any other period when the SEC, by order, so permits for the
                      protection of Owners.
8.
The Annuity Phase
Prior to annuitization, you can take a full withdrawal and receive your total Contract Value (less the
                  withdrawal charge and contract maintenance charge). If you take a full withdrawal on any day other than a Term Start Date or Term End Date and you have Contract Value in the Index Options, we apply the Daily Adjustment to these Index
                  Option Values before we deduct the final Contract fees and expenses.
Annuity Payments offer a guaranteed lifetime income stream with certain tax advantages and are designed
                  for Owners who no longer need immediate access to Contract Value to meet their short-term income needs.
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.
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Calculating Your Annuity Payments
We base Annuity Payments upon the following:
•
The Contract Value on the Annuity Date.
•
The age of the Annuitant and any joint Annuitant on the Annuity Date.
•
The gender of the Annuitant and any joint Annuitant where permitted.
•
The Annuity Option you select.
•
Your Contract's interest rate (or current rates, if higher) and mortality
                      table.
If the Annuity Date is not a Term End Date, Contract Value reflects the Daily Adjustment if you selected
                  an Index Option. We guarantee the dollar amount of Annuity Payments and this amount remains fixed and does not change during the entire annuity payment option period that you selected, except as provided under Annuity Option 3.
Annuity Payment Options
You can choose one of the Annuity Options described below or any other payment option to which we agree.
                  After Annuity Payments begin, you cannot change the Annuity Option, or transfer or withdraw Contract Value.
Option 1. Life Annuity.
We make Annuity Payments during the life of the Annuitant, and the last payment is the one that is due before the Annuitant's death. If the Annuitant dies shortly after the Annuity Date, the Payee may receive less
                  than your investment in the Contract.
Option 2. Life Annuity with Payments Over 5, 10, 15 or 20 Years Guaranteed.
We make Annuity Payments during the life of the Annuitant, with payments for a minimum guaranteed period that you select.
Option 3. Joint and Last Survivor Annuity.
We make Annuity Payments during the lifetimes of the Annuitant and the joint Annuitant. Upon the death of one Annuitant, Annuity Payments to the Payee continue during the
                  lifetime of the surviving joint Annuitant, at a level of 100%, 75% or 50% selected by the Owner when he or she chose this Annuity Payment option. If both Annuitants die shortly after the Annuity Date, the Payee may receive less than your
                  investment in the Contract.
Option 4. Joint and Last Survivor Annuity with Payments Over 5, 10, 15 or 20 Years
                  Guaranteed.
We make Annuity Payments during the lifetimes of the Annuitant and the joint Annuitant, with payments for a minimum guaranteed period that you
                  select.
Option 5. Refund Life Annuity.
We make Annuity Payments during the lifetime of the Annuitant, and the last payment is the one that is due before the Annuitant's death. After the Annuitant's death, the Payee may receive a lump sum refund. The
                  amount of the refund equals the amount applied to this Annuity Option minus the total paid under this option.
Under Annuity Options 1, 3 and 5, if all Annuitants die on or after the Annuity Date and before we send
                  the first Annuity Payment, we will cancel Annuity Payments and upon receipt of a Valid Claim we will pay the Contract Value determined on the Annuity Date to surviving individual Owner, or the Beneficiary(s) if there is no surviving
                  Owner. If the Owner is a non-individual, we pay the Owner.
After the Annuitant's death under Annuity Option 2, or the last surviving joint Annuitant's death under
                  Annuity Option 4, we make Annuity Payments during the remaining guaranteed period in the following order based on who is still alive: the Payee, any surviving original Owner, the last surviving Owner's Beneficiaries, or to the last
                  surviving Owner's estate if there are no remaining or named Beneficiaries.
Annuity Payments are usually lower if you select an Annuity Option that requires us to make more frequent
                  Annuity Payments or to make payments over a longer period of time. If you choose life contingent Annuity Payments, payout rates for a younger Annuitant are lower than the payout rates for an older Annuitant and payout rates for life with
                  a guaranteed period are typically lower than life only payments. Monthly payout rates are lower than annual payout rates, payout rates for a 20-year guaranteed period are less than payout rates for a 10-year guaranteed period, and payout
                  rates for a 50-year-old Annuitant are less than payout rates for a 70-year-old Annuitant.
•
If you do not choose an Annuity Option before the Annuity Date, we make Annuity Payments to the Payee
under Annuity Option 2 with ten years of guaranteed
                              monthly payments.
•
For Owners younger than age 59
1
∕
2
, Annuity
                              Payments are subject to a 10% additional federal tax.
•
For a Qualified Contract, the Annuity Payments must end ten years after the Owner's death.
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When Annuity Payments Begin
Annuity Payments begin on the Annuity Date. Your scheduled Annuity Date is the first day of the calendar
                  month following the Annuitant's 90th birthday and is stated in your Contract. An earlier Annuity Date or a withdrawal may be required to satisfy minimum required distribution rules under certain Qualified Contracts.
You can make an authorized request for a different, earlier or later Annuity Date after the Issue Date, but any such request is subject
                  to applicable law and our approval.
An earlier or later Annuity Date may not be available to you depending on the Financial Professional you purchase your
                  Contract through. The earliest available Annuity Date is 13 months after the Issue Date.
If on the Annuity Date (which may occur as early as
                              13 months after the Issue Date, or as late as age 100) your
Contract Value is greater than zero, you must
                              annuitize the Contract.
We notify you of your available options in
writing 60 days in advance, including the option to extend your
                              Annuity Date if available.
If on your Annuity Date you
have not selected an Annuity
                              Option, we make payments under Annuity Option 2 with ten years of guaranteed
monthly payments.
Upon annuitization you no longer have Contract Value or a death benefit, and you cannot receive
any other periodic withdrawals or payments other than Annuity
                              Payments.
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9.
Benefits Available Under the Contract
The following tables summarize information about the benefits available under the Contract.
Standard Benefits (No Additional Charge)
Name of Benefit
Purpose
Brief Description of
                              Restrictions/Limitations
Free Withdrawal
Privilege
Allows you to withdraw up to 10% of your total
Purchase Payments each Contract Year without
incurring a withdrawal charge.
• Only available during the Accumulation Phase.
• Not available upon a full withdrawal.
• Unused free withdrawal amounts not available in
future years.
• Program withdrawals may be subject to negative
Daily Adjustments.
• Program withdrawals are subject to income taxes,
including a 10% additional federal tax if taken
before age 59
1
∕
2
.
Automatic
Investment Plan
(AIP)
Allows you to make automatic Purchase Payments
by electronic money transfer from your savings,
checking, or brokerage account.
• Only available during the Accumulation Phase.
• Not available to certain Qualified Contracts.
• Payments must be on a monthly or quarterly basis.
• Subject to applicable Purchase Payment
restrictions.
• We reserve the right to discontinue or modify the
program.
Optional
Reallocation
Program for the
1-year Term Index
Options
Provides for automatic transfers among the 1-year
Term Index Options to help you maintain your
selected allocation percentages among these Index
Options.
• Only available during the Accumulation Phase.
• Not available if you select a 3-year or 6-year Term
Index Option.
• We reserve the right to discontinue or modify the
program.
Systematic
Withdrawal
Program
Allows you to take automatic withdrawals from your
Contract.
• Only available during the Accumulation Phase.
• Not available while you are participating in
minimum distribution program.
• Program withdrawals may be monthly, quarterly,
semi-annual or annual, unless you have less than
$25,000 in Contract Value, in which case only
annual withdrawals are available.
• Program withdrawals count against free withdrawal
privilege.
• Program withdrawals may be subject to negative
Daily Adjustments.
• Program withdrawals are 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.
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Standard Benefits (No Additional Charge)
Name of Benefit
Purpose
Brief Description of
                              Restrictions/Limitations
Minimum
Distribution
Program
Allows you to automatically take withdrawals to
satisfy the minimum distribution requirements
imposed by the Internal Revenue Code.
• Only available during the Accumulation Phase.
• Only available to IRA or SEP IRA Contracts.
• Generally required for Inherited IRA and Inherited
Roth IRA Contracts.
• Program withdrawals count against free withdrawal
privilege.
• Program withdrawals may be subject to negative
Daily Adjustments.
• Program withdrawals are 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.
• 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 are 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.
Waiver of
Withdrawal
Charge
Benefit
Waives withdrawal charges if you become confined
to a nursing home.
• Only available during the Accumulation Phase.
• Confinement must be for at least 90 consecutive
days.
• Requires physician certification.
• Not available if any Owner was confined to a
nursing home on the Issue Date.
• Program withdrawals count against free withdrawal
privilege.
• Program withdrawals may be subject to negative
Daily Adjustments.
• Program withdrawals are not subject to withdrawal
charges, but are subject to income taxes, including
a 10% additional federal tax if taken before age
59
1
∕
2
.
Traditional Death
Benefit
Provides a death benefit equal to the greater of the
Contract Value, or Guaranteed Death Benefit Value.
The Guaranteed Death Benefit Value is total
Purchase Payments adjusted for withdrawals.
An example of the death benefit provided by the
Traditional Death Benefit is included in section 10,
Death Benefit.
An example of how deduction of financial adviser
fees impact the death benefit is included in section 1.
• Benefit only available during the Accumulation
Phase.
• Withdrawals, including any negative Daily
Adjustments, may significantly reduce the benefit
as indicated in section 1, Financial Adviser Fee
Deduction Example.
• Restrictions on Purchase Payments may limit the
benefit.
• Annuitizing the Contract will end the benefit.
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Standard Benefits (No Additional Charge)
Name of Benefit
Purpose
Brief Description of
                              Restrictions/Limitations
Performance Lock
Allows you to capture the current Index Option Value
during the Term for an Index Option . Can help
eliminate doubt about future Index performance and
possibly limit the impact of negative performance.
A Performance Lock example is included in section
4, Valuing Your Contract — Performance Locks.
• Available during the Accumulation Phase.
• Not available with the Index Protection Strategy
Index Options.
• Performance Locks must be executed before the
Term End Date.
• 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 Term, and will not receive a
Performance Credit on the Term End Date.
• You will not know your locked Index Option Value
in advance.
• The locked Index Option Value will reflect a Daily
Adjustment.
• If executed when Daily Adjustment has declined,
will lock in any loss.
• Can be executed only once each Term for each
Index Option.
• Cannot be executed for only a portion of the Index
Option Value.
• Deductions (e.g. withdrawals, fees) decrease the
locked Index Option Value.
• Cannot transfer locked Index Option Value until the
Term End Date, except when exercised for a
3-year or 6-year Term Index Option, provided the
Lock Date occurs on or before the second Index
Anniversary of a 3-year Term, on or before the fifth
Index Anniversary of a 6-year Term.
• We will not provide advice or notify you
regarding whether you should execute a
Performance Lock or the optimal time for doing
so.
• We will not warn you if you execute a
Performance Lock at a sub-optimal time.
• We are not responsible for any losses related
to your decision whether or not to execute a
Performance Lock.
10.
Death Benefit
"You" in this section refers to the Owner, or the Annuitant if the Contract is owned by a
                  non-individual.
The Contract provides the Traditional Death Benefit for no additional charge. The death benefit is the
                  greater of the Contract Value, or Guaranteed Death Benefit Value. The Traditional Death Benefit's Guaranteed Death Benefit Value is total Purchase Payments reduced proportionately for withdrawals you take (including any withdrawal
                  charge).
The death benefit is only available during the Accumulation Phase.
If you or the Determining Life (Lives) die during the Accumulation Phase, we process the death benefit using prices determined after we receive the required information,
                  which is either a Valid Claim or due proof of death as stated here. (For information on due proof of death see the Glossary – Valid Claim). If we receive this information at or after the end of the current Business Day, we use the next
                  Business Day's prices.
If there are multiple Beneficiaries, each Beneficiary receives the portion of the death benefit he or
                  she is entitled to when we receive his or her Valid Claim. If a Beneficiary dies before you or the Designated Life, that Beneficiary's interest in this Contract ends unless your Beneficiary designation specifies otherwise. If there are no
                  remaining Beneficiaries, or no
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named Beneficiaries, we pay the death benefit to your estate, or if the Owner is a non-individual, to the Owner. Unless
                  you instruct us to pay Beneficiaries a specific percentage of the death benefit, each Beneficiary receives an equal share.
Each Beneficiary's portion of the death benefit remains in the Allocation Options based on the
                  allocation instructions that were in effect on the date of death until we receive his or her Valid Claim and we either pay the claim or the Beneficiary provides alternate allocation instructions. If there is Variable Account Value in the
                  AZL Government Money Market Fund awaiting transfer to the Index Options on the date of death, it remains there until the the next Index Anniversary. However, if before the next Index Anniversary we receive a Valid Claim and death benefit
                  payment Option A, or Annuity Payments under death benefit payment Option C is selected, we transfer the Variable Account Value on the date we receive the Valid Claim. If an Index Anniversary occurs before we receive a Valid Claim, we will
                  transfer that Beneficiary's portion of the Variable Account Value destined for the Index Options based on the Purchase Payment default instructions that were in effect on the date of death.
From the time we determine the death benefit until we make a complete distribution, any amount in the
                  Allocation Options continues to be subject to investment risk that is borne by the recipient(s). Once we receive notification of death, we may no longer accept or process transfer requests. After we receive the first Valid Claim from any
                  Beneficiary we also will not accept additional Purchase Payments or allow any partial or full withdrawals unless the withdrawal is required to comply with federal tax law.
On the first death of a Determining Life during the Accumulation Phase, if the Traditional Death Benefit
                  is in effect your Beneficiary(s) will receive the greater of the Contract Value or Guaranteed Death Benefit Value. The Guaranteed Death Benefit Value is total Purchase Payments reduced proportionately for withdrawals you take (including
                  any withdrawal charge). For example, assume total Purchase Payments are $90,000, you take no withdrawals, and the current Contract Value is $100,000. The death benefit for the Traditional Death Benefit is the $100,000 Contract Value.
If the date we are determining the death benefit is not 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. 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.
What Happens Upon Death?
If you are the Determining Life, or if you and the Determining Life (Lives) are different individuals and
                  die simultaneously as described in the discussion of Beneficiaries in section 2, Ownership, Annuitants, Determining Life, Beneficiaries and Payees, we determine the Traditional Death Benefit at the end of the Business Day we receive a
                  Valid Claim. For multiple Beneficiaries, each surviving Beneficiary receives the greater of their portion of the:
•
Guaranteed Death Benefit Value determined at the end of the Business Day we
                      receive the first Valid Claim from any one Beneficiary, or
•
Contract Value determined at the end of the Business Day during which we
                      receive his or her Valid Claim.
If you and the Determining Life (Lives) are different individuals and do not die simultaneously, the death
                  benefit is as follows.
This can only occur if you change the Owner after the Issue Date.
•
If a Determining Life dies before you, we do not pay a
                      death benefit to the Beneficiary(s) but we may increase the Contract Value if the Traditional Death Benefit is still in effect
. At the end of the Business
                      Day we receive due proof of a Determining Life's death we increase the Contract Value to equal the Guaranteed Death Benefit Value if greater,
and the Traditional Death Benefit ends
. We allocate any Contract Value increase to the Allocation
                      Options according to your Purchase Payment default instructions. If your Purchase Payment default instructions include a temporarily unavailable Index Option we will transfer the assets destined for the temporarily unavailable Index
                      Option to the AZL Government Money Market Fund and the assets will remain there until we receive alternate 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.
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The Traditional Death Benefit ends upon the earliest of the following.
•
The Business Day before the Annuity Date.
•
The Business Day that the Guaranteed Death Benefit Value and Contract Value
                      are both zero.
•
Upon the death of a Determining Life, the end of the Business Day we
                      receive a Valid Claim from all Beneficiaries if you and the Determining Life are the same individuals, or if you and the Determining Life (Lives) are different individuals and die simultaneously.
•
Upon the death of a Determining Life, the end of the Business Day we
                      receive due proof of the Determining Life's death if you and the Determining Life (Lives) are different individuals and do not die simultaneously.
•
Upon the death of an Owner (or Annuitant if the Owner is a non-individual),
                      the end of the Business Day we receive the first Valid Claim from any one Beneficiary, if the Owner (or Annuitant) is no longer a Determining Life.
•
The Business Day the Contract ends.
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
.
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. However, spousal continuation
                  is not available if this is an Inherited IRA, or Inherited Roth IRA. 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 Qualified
                  Contracts purchased through a qualified plan and non-individually owned Contracts, spousal continuation is only available to Qualified Contracts through a direct rollover to an IRA.
Spouses must qualify as such under federal law to continue the Contract.
Individuals who have entered into a registered
                  domestic partnership, civil union, or other similar relationship that is not considered to be a marriage under state law are also not considered to be married under federal law. An election by the spouse to continue the Contract must be
                  made on the death claim form before we pay the death benefit. If the deceased Owner was a Determining Life and the surviving spouse Beneficiary continues the Contract, at the end of the Business Day we receive his or her Valid Claim we
                  increase the Contract Value to equal the Guaranteed Death Benefit Value if greater and available, and the Traditional Death Benefit ends. We allocate any Contract Value increase to the Allocation Options according to Purchase Payment
                  default instructions. If your Purchase Payment default instructions include a temporarily unavailable Index Option we will transfer the assets destined for the temporarily unavailable Index Option to the AZL Government Money Market Fund
                  and the assets will remain there until we receive alternate 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).
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Option A:
Lump sum payment of the death benefit.
Option B:
Payment of the entire death benefit within five years of the date of any Owner's death. The Beneficiary can continue to make transfers between Allocation Options and is subject to a transfer fee and a 1.25% M&E charge for any amounts
                  allocated to the Variable Options.
Option C:
If the Beneficiary is an individual, payment of the death benefit as Annuity Payments under Annuity Options 1, 2, or 5. With our written consent other options may be available for payment over a period not extending beyond the
                  Beneficiary's life expectancy under which the Beneficiary can continue to make transfers between Allocation Options and is subject to a transfer fee and a 1.25% M&E charge for any amounts allocated to the Variable Options.
Distribution from Non-Qualified Contracts under Option C 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.
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, Inherited IRA, Inherited Roth 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.
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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.
•
Inherited IRA and Inherited Roth IRA.
The Code permits beneficiaries of investments that were issued under qualified retirement plans or IRAs to directly transfer the death benefit from that investment
                      into a variable annuity contract (Inherited IRA or Inherited Roth IRA). If you purchase this Contract as a transfer from another carrier, you will become the Owner of the new Inherited IRA or Inherited Roth IRA Contract. The ownership
                      of this Contract will also reflect the name of the deceased previous owner. Once an Inherited IRA or Inherited Roth IRA is established, no further Purchase Payments can be made. We may choose not to allow this Contact to be purchased
                      as an Inherited IRA or Inherited Roth IRA.
We may issue the following type of Qualified Contract to a qualified retirement plan.
•
Qualified Retirement Plans: Pension and
                      Profit-Sharing Plans.
A qualified plan is a retirement or pension plan that meets the requirements for tax qualification under the Code. Sections 401(a)
                      and 401(k) of the Code permit employers, including self-employed individuals, to establish various types of retirement plans for employees. These retirement plans may permit the purchase of the Contracts to provide benefits under the
                      plan. Contributions to the plan for the benefit of employees are not included in the gross income of the employee until distributed from the plan. The tax consequences to participants may vary, depending upon the particular plan
                      design. Participant loans are not allowed under the Contracts purchased in connection with these plans.
If the Contract is purchased for a qualified plan under Section 401 of the Code, the plan
                  is both the Owner and the Beneficiary. The authorized signatory, plan administrator, or plan trustee for the plan must make representations to us that the plan is qualified under the Code on the Issue Date and is intended to continue to
                  be qualified for the entire Accumulation Phase of the Contract, or as long as the qualified plan owns the Contract. The qualified plan may designate a third party administrator to act on its behalf. All tax reporting is the responsibility
                  of the plan. In the event the qualified plan instructs us to roll the plan assets into an IRA for the Annuitant under this Contract, we change the qualification type of the Contract to an IRA and make the Annuitant the Owner. The
                  qualified plan is responsible for any reporting required for the rollover transactions out of the plan. We are responsible for any reporting required for the Contract as an IRA.
Purchasers of Contracts for use with pension or profit-sharing plans should obtain
                  competent tax advice as to the tax treatment and suitability of 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.
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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.
Inherited IRA and Inherited Roth IRA
Must have the same individual as Owner and Annuitant. The deceased owner of the
previously held tax-qualified arrangement will also be listed in the titling of the
                              Contract.
Non-Qualified Contracts
You can instead purchase a Non-Qualified Contract, which is not qualified pursuant to a specialized
                  provision of the Code.  There are no Code restrictions on annual contributions to a Non-Qualified Contract or how much you can earn and still contribute to a Contract.
Non-Qualified Contracts Owned by Non-Individuals
When a Non-Qualified Contract is owned by a non-individual (other than a trust holding the Contract as an
                  agent for an individual), the Contract is not generally treated as an annuity for tax purposes. This means that the Contract may not receive the benefits of tax deferral and any Contract earnings may be taxable every year.
Taxation of Withdrawals
Section 72 of the Code governs taxation of annuities in general. An Owner is generally not taxed on
                  increases in the value of a Contract until a distribution occurs, either in the form of withdrawals or as Annuity Payments.
For a full withdrawal (total redemption), a partial withdrawal, or a death benefit, the recipient is taxed
                  on the portion of the payment that exceeds your investment in the Contract (often referred to as cost basis). For Non-Qualified Contracts, this cost basis is generally the Purchase Payments, while for Qualified Contracts there is
                  generally no cost basis, which means the withdrawal is fully taxable, except for qualified distributions from Roth IRAs and IRAs where you have separately tracked and reported any after-tax contributions that you have made.
For Non-Qualified Contracts, the taxable portion of a partial withdrawal is the portion of the payment
                  considered to be gain in the Contract (for example, the difference, if any, between the Contract Value immediately before the withdrawal, unreduced by any withdrawal charges, and the Contract's cost basis). The withdrawals are generally
                  taxed as though you were paid taxable earnings first, and then as a non-taxable return of Purchase Payments.
Distributions from a Roth IRA generally are not subject to income tax if the Roth IRA has been held for
                  five years (starting with the year in which the first contribution is made to any Roth IRA) and the Owner satisfies a triggering event such as attaining age 59
1
∕
2
, death, disability or a first time homebuyer (subject to a $10,000 lifetime limit).
Distribution before satisfying the five year period or triggering event requirement may subject the
                  distribution to taxation. Please be aware that each Roth IRA conversion has its own five year holding period requirement for purposes of determining if the 10% additional federal tax described below applies.
10% Additional Federal Tax
Withdrawals (whether partial or full) and Annuity Payments taken before age 59
1
∕
2
are subject to a 10% additional federal tax unless an exception applies. The exceptions are different for Qualified Contracts and
                  Non-Qualified Contracts, and are also different for IRAs and qualified plans. If the Contract is jointly owned, we send one check payable to both Joint Owners and we tax report to each Joint Owner individually.
Tax reporting to each Joint Owner individually can create a discrepancy in taxation if only one Joint Owner is under age 59
1
∕
2
because that Joint Owner will be subject to the 10% additional federal tax.
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Exceptions to the 10% Additional Federal Tax for Qualified Contracts
1)
distributions made on or after the date you (or the Annuitant as
                      applicable) reach age 59
1
∕
2
;
2)
distributions following your death or disability (or the Annuitant as
                      applicable) (for this purpose disability is as defined in Section 72(m)(7) of the Code);
3)
distributions paid in a series of substantially equal payments made
                      annually (or more frequently) for your life (or life expectancy) or joint lives of you and your designated Beneficiary;
4)
distributions made to you after separation from service after reaching age
                      55 (does not apply to IRAs);
5)
distributions made to you to the extent such distributions do not exceed
                      the amount allowed as a deduction under Code Section 213 for amounts paid during the tax year for medical care;
6)
distributions made on account of an IRS levy upon the Qualified Contract;
7)
distributions from an IRA for the purchase of medical insurance (as
                      described in Section 213(d)(1)(D) of the Code) for you and your spouse and dependents if you have received unemployment compensation for at least 12 weeks (this exception will no longer apply after you have been re-employed for at
                      least 60 days);
8)
distributions from an IRA made to you, to the extent such distributions do
                      not exceed your qualified higher education expenses (as defined in Section 72(t)(7) of the Code) for the tax year;
9)
distributions from an IRA which are qualified first-time homebuyer
                      distributions (as defined in Section 72(t)(8) of the Code);
10)
distributions made to an alternate Payee pursuant to a qualified domestic
                      relations order (does not apply to an IRA);
11)
distributions made to a reservist called to active duty after September
                      11, 2001, for a period in excess of 179 days (or for an indefinite period), from IRAs or amounts attributable to elective deferrals under a 401(k) plan made during such active period;
12)
distributions made during the payment period starting on the birth of a
                      child or the finalization of an adoption (up to $5,000);
13)
distributions that are qualified disaster recovery distributions;
14)
distributions due to having a terminal illness;
15)
distributions that are emergency personal expense distributions up to
                      $1,000 after December 31, 2023; and
16)
distributions that are eligible distributions as a domestic abuse victim,
                      not to exceed the lesser of $10,000 or 50% of the IRA or qualified plan vested benefit value, after December 31, 2023.
With respect to (12) through (16) above, a qualified birth or adoption distribution, a qualified
                  disaster recovery distribution, a terminal illness distribution, an emergency personal expense distribution and an eligible distribution as a domestic abuse victim may each be repaid any time within the 3-year period from the date the
                  distribution was received 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, or prior to January 1, 2024, a 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% additional federal 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.
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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 prior to January 1, 2024, a 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 73. If you reached age 70
1
∕
2
on or before December 31, 2019, then age 70
1
∕
2
applies instead of age 73. If you reached age 72 on or before December 31, 2022, then age 72 applies instead of age 73. If you reach age 74 after December 31, 2032, then
                  age 75 applies instead of age 73. Under a qualified plan or 403(b), the required beginning date is generally April 1 of the calendar year following the later of the calendar year in which you reach the age noted for IRAs above or retire.
Generally, RMDs must be made over a period not exceeding the life or life expectancy of the individual
                  or the joint lives or life expectancies of the individual and his or her designated Beneficiary. If the RMDs are not made, a 25% excise tax is imposed as to the amount not distributed. If you are attempting to satisfy these rules through
                  partial withdrawals, the present value of future benefits provided under the Contract may need to be included in calculating the amount required to be distributed. If you enroll in our minimum distribution program, we make RMD payments to
                  you that are designed to meet this Contract's RMD requirements.
Diversification
Code Section 817(h) and accompanying Treasury Department Regulations imposes diversification standards
                  on the assets underlying variable annuity contracts. The Code provides that a variable annuity contract cannot be treated as an annuity contract for any period during which its investments are not adequately diversified as required by the
                  United States Treasury Department. If the Contract no longer qualifies as an annuity contract, you would be subject to federal income tax each year with respect to Contract earnings accrued. We intend to manage all available Index
                  Options, and we intend that all Variable Options be managed by the investment advisers so that they comply with these diversification standards.
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Owner Control
The Treasury Department has indicated that the diversification regulations do not provide guidance
                  regarding the circumstances in which an Owner's control of the Separate Account's investments may cause the Owner to be treated as the owner of the Separate Account's assets, which would cause the Contract to lose its favorable tax
                  treatment. In certain circumstances, variable annuity contract owners have been considered for federal income tax purposes to be the owners of the separate account's assets, due to their ability to exercise investment control over those
                  assets. In this case, the contract owners have been currently taxed on income and gains attributable to the variable account assets. There is little guidance in this area and some of our Contract's features, such as the flexibility of an
                  Owner to allocate Purchase Payments and transfer amounts among available Variable Options, have not been explicitly addressed in published rulings. While we believe that the Contracts do not give Owners investment control over Separate
                  Account assets, we reserve the right to modify the Contracts as necessary to prevent an Owner from being treated as the owner of the Separate Account assets.
Taxation of Annuity Payments
For Annuity Payments from Non-Qualified Contracts, the portion of each payment included in income is
                  determined by an exclusion ratio. The exclusion ratio is a calculation that causes a portion of each Annuity Payment to be non-taxable, based upon the percentage of your Contract Value that is from Purchase Payments. We determine the
                  exclusion ratio for Annuity Payments by dividing the investment in the Contract (adjusted for any guaranteed period or refund guarantee) by the expected return anticipated to be paid as Annuity Payments (which is determined by Treasury
                  Regulations). We determine the amount of each Annuity Payment that is excluded from income by multiplying the Annuity Payment by the exclusion ratio. Annuity Payments received after the investment in the Contract has been recovered (for
                  example, when the total of the amounts excluded from income equal the investment in the Contract) are fully taxable.
Generally, Annuity Payments from Qualified Contracts are fully taxable unless you have separately tracked
                  and reported any after-tax contributions that you have made. Annuity Payments that are qualified distributions from Roth IRAs are federal income tax free. Owners, Annuitants and Beneficiaries under the Contracts should seek competent
                  financial advice about the tax consequences of any distributions.
Distributions Upon the Owner's Death (or Annuitant's Death If the
                  Owner Is a Non-individual)
Section 72(s) of the Code requires that, to be treated as an annuity contract for federal income tax
                  purposes, a Non-Qualified Contract must contain certain provisions regarding distributions when an Owner dies. Specifically, Section 72(s) requires that: (a) if an Annuitant dies on or after you annuitize the Contract, but before
                  distribution of the entire Contract's interest, the entire Contract's interest must be distributed at least as rapidly as under the distribution method being used as of the Annuitant's date of death; and (b) if any Owner (or the Annuitant
                  if the Owner is a non-individual) dies before you annuitize the Contract, the Contract's entire interest must be distributed within five years after the Owner's date of death.
These requirements are satisfied as to any part of an Owner's interest that is payable to, or for the
                  benefit of, a designated Beneficiary and distributed over the designated Beneficiary's life, or over a period not extending beyond that Beneficiary's life expectancy, provided that distributions begin within one year of the Owner's death.
                  The designated Beneficiary refers to an individual designated by the Owner as a Beneficiary and to whom ownership of the Contract passes by reason of death.
However, if the designated Beneficiary is the deceased Owner's surviving spouse, the surviving spouse can
                  continue the Contract as the new Owner. If a couple is married in a jurisdiction (including a foreign country) that recognizes same-sex marriage, that marriage will be recognized for all federal tax purposes regardless of the law in the
                  jurisdiction where they reside. However, the IRS did not recognize civil unions and registered domestic partnerships as marriages for federal tax purposes.
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
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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 payment 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) an individual not more than ten years younger than the IRA Owner, 3) a
                  minor child of the IRA Owner, 4) a chronically ill individual, or 5) disabled individual. 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 21 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 73 (age 75 if your spouse would have reached age 74 after December 31, 2032). 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 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. Proposed Treasury regulations would require the successor beneficiary to receive a RMD payment each year.
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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 who generally earns a commission on each sale.
Multiple Non-Qualified Contracts Purchased In the Same Year By
                  the Same Owner
Code Section 72(e)(12) provides that multiple Non-Qualified deferred annuity contracts issued within the
                  same calendar year to the same owner by one company or its affiliates are treated as one annuity contract for purposes of determining a distribution's tax consequences. This treatment may result in adverse tax consequences, including more
                  rapid taxation of distributions from combined contracts. For purposes of this rule, contracts received in a Section 1035 exchange are considered issued in the year of the exchange. You should consult a tax adviser before requesting a
                  distribution if you purchased more than one Non-Qualified Contract in any calendar year period.
Assignments, Pledges and Gratuitous Transfers
Any assignment or pledge (or agreement to assign or pledge) the Contract Value is treated for federal
                  income tax purposes as a full withdrawal. The Contract will not qualify for tax deferral while the assignment or pledge is effective. Qualified Contracts generally cannot be assigned, pledged, or transferred to another individual. For
                  Non-Qualified Contracts, the Contract's cost basis is increased by the amount includible as income with respect to such amount or portion, though it is not affected by any other aspect of the assignment or pledge (including its release).
                  If an Owner transfers a Non-Qualified Contract (an ownership change) without adequate consideration to a person other than their spouse (or to a former spouse incident to divorce), the Owner is taxed on the difference between his or her
                  Contract Value and the Contract's cost basis at the time of transfer. In such case, the transferee's investment in the Contract is increased to reflect the increase in the transferor's income. An Owner should consult a tax adviser before
                  requesting an assignment, transfer, or pledge.
Income Tax Withholding
Any part of a distribution that is taxable to the Owner or Beneficiary is subject to federal and/or
                  state income tax withholding. Generally, we withhold amounts from Annuity Payments at the same rate as wages, and we withhold 10% from non-periodic payments, such as withdrawals. However, in most cases, you may elect not to have taxes
                  withheld or to have withholding done at a different rate.
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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 of NY Variable Account C (the Separate Account, formerly Preferred Life
                  Variable Account C), as a separate account under New York State insurance law on February 26, 1988. The Separate Account is registered with the SEC as a unit investment trust under the Investment Company Act of 1940. The SEC does not
                  supervise our management of the Separate Account.
The Separate Account holds the Variable Options' shares that have been purchased with Contract assets.
                  We keep the Separate Account assets separate from the assets of our general account and other separate accounts, including the non-unitized separate accounts we established in connection with the Index Options. The Separate Account is
                  divided into subaccounts, each of which invests exclusively in a single Variable Option.
We own the assets of the Separate Account. Income, gains, and losses credited to, or charged against,
                  the Separate Account reflect the Separate Account's own investment experience and not the investment experience of our other assets. The Separate Account's assets are insulated, so that the assets cannot be used to pay any of our
                  liabilities, other than those arising from the investment of Contract assets in the Variable Options.
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If the Separate Account's assets exceed the required reserves and other liabilities, we may transfer the
                  excess to our general account, to the extent of seed money invested by us or earned fees and expenses. The obligations under the Contracts are obligations of Allianz Life of New York. We are obligated to pay all amounts promised to
                  investors under the Contracts.
Our General Account
Our general account holds all our assets other than assets in our separate accounts. We own our general
                  account assets, and, subject to applicable law, have sole investment discretion over them. The assets are subject to our general business operation liabilities and claims of our creditors and may lose value. We have not registered our
                  general account as an investment company under the Investment Company Act of 1940.
Our general account assets fund guarantees provided in the Contracts. Contract Value that you apply to
                  Annuity Payments becomes part of our general account.
Our Unregistered Separate Account
We allocate all assets backing the Index Options to an unregistered, non-unitized, non-insulated
                  separate account (Separate Account IANY), which we established under New York Insurance Law solely for the purpose of supporting our obligations to pay Performance Credits associated with the Index Options. Separate Account IANY has two
                  subaccounts: Subaccount IABV (which is a book value subaccount) and Subaccount IAMV (which is a market value subaccount).
Initially, a substantial majority of the aggregate assets backing the Index Options are allocated to
                  Subaccount IABV. We hold all other assets that you allocate to the Index Options that are not invested in Subaccount IABV in Subaccount IAMV. Subsequently, there may be significant transfer of assets between Subaccount IABV and Subaccount
                  IAMV in response to Index performance during the then-current Index Year. We typically transfer assets between the subaccounts if there is a 10% incremental change in year-to-date Index performance. For the Index Performance Strategy this
                  starts at a -10% decrease in the market; for the Index Protection NY Strategy, this starts at a -30% decrease in the market. We monitor year-to-date Index performance daily and change allocations daily if needed based on this 10%
                  increment.
We invest the assets in Subaccount IAMV in hedging instruments, including derivative investments such as
                  put and call options, as well as cash and fixed income securities. Like our general account, the assets in Separate Account IANY are subject to our general business operation liabilities and the claims of our creditors.
An Owner who allocates Contract Value to an Index Option does not have any interest in or claim on the
                  assets in Separate Account IANY. In addition, neither the Owner nor the Index Options participate in any way in the performance of assets held in Separate Account IANY.
Distribution
Allianz Life Financial Services, LLC (ALFS), a wholly owned subsidiary of Allianz Life Insurance Company
                  of North America, serves as principal underwriter for the Contracts. ALFS is a limited liability company organized in Minnesota, and is located at 5701 Golden Hills Drive, Minneapolis, MN 55416. ALFS is registered as a broker-dealer with
                  the SEC under the Securities Exchange Act of 1934, as well as with the securities commissions in the states in which it operates, and is a member of the Financial Industry Regulatory Authority (FINRA). ALFS is not a member of Securities
                  Investors Protection Corporation. More information about ALFS is available at finra.org or by calling 1-800-289-9999. You also can obtain an investor brochure from FINRA describing its Public Disclosure Program.
We have entered into a distribution agreement with ALFS for the distribution of the Contracts. ALFS also
                  may perform various administrative services on our behalf.
We may fund ALFS operating and other expenses, including:
•
overhead,
•
legal fees,
•
accounting fees,
•
Financial Professional training,
•
compensation for the ALFS management team, and
•
other expenses associated with the Contracts.
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Financial Professionals and their managers may also be eligible for various benefits, such as production
                  incentive bonuses, insurance benefits, and non-cash compensation items that we may provide jointly with ALFS. Non-cash items include conferences, seminars and trips (including travel, lodging and meals in connection therewith),
                  entertainment, awards, merchandise and other similar items.
ALFS does not itself sell the Contracts on a retail basis. Rather, ALFS enters into selling agreements
                  with other broker-dealers registered under the 1934 Act (selling firms) for the sale of the Contracts. We pay sales commissions to the selling firms and their Financial Professionals. The maximum commission payable to the selling firms
                  for Contract sales is expected to not exceed 7% of Purchase Payments. Sometimes, we enter into an agreement with a selling firm to pay commissions as a combination of a certain amount of the commission at the time of sale and a trail
                  commission which, when totaled, could exceed 7% of Purchase Payments.
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
                  Options that are available through the annuities we offer.
Additional information regarding marketing support payments can be found in the Distributor section of
                  the Statement of Additional Information.
Some Financial Professionals may have a financial incentive to offer you a new contract in place of the
                  one you already own. You should only exchange your contract if you determine, after comparing the features, fees and risks of both contracts, that it is better for you to purchase the new contract rather than continue to own your existing
                  Contract.
The Variable Options may assess a Rule 12b-1 fee. These fees are paid to ALFS as consideration for
                  providing distribution and certain other services and incurring certain expenses permitted under the Variable Option's plan. These fees typically equal 0.25% of a Variable Option's average daily net assets for the most recent calendar
                  year.
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In certain instances, an investment adviser and/or subadviser (and/or their affiliates) of a Variable
                  Option may make payments for administrative services to ALFS or its affiliates.
We offer the Contracts to the public on a continuous basis. We anticipate continuing to offer the
                  Contracts but reserve the right to discontinue the offering.
Additional Credits for Certain Groups
We may credit additional amounts to a Contract instead of modifying charges because of special
                  circumstances that result in lower sales or administrative expenses or better than expected mortality or persistency experience.
Administration/Allianz Service Center
The Allianz Service Center performs certain administrative services regarding the Contracts and is
                  located at 5701 Golden Hills Drive, Minneapolis, Minnesota. The Service Center mailing address and telephone number are listed at the back of this prospectus. The administrative and routine customer services performed by our Service
                  Center include processing and mailing of account statements and other mailings to Owners, responding to Owner correspondence and inquiries. Allianz Life Insurance Company of North America (as service provider for the Contracts) also
                  contracts with Tata Consultancy Services (Tata) located at #42(P) & 45(P), Think Campus, Electronic City, Phase II, Bangalore, Karnataka 560100, India, to perform certain administrative services including:
•
issuance and maintenance of the Contracts,
•
maintenance of Owner records, and
•
routine customer service including:
−
processing of Contract changes,
−
processing withdrawal requests (both partial and total), and
−
processing requests for fixed annuity payments.
Services performed by Tata are overseen and quality control checked by our Service Center.
To reduce expenses, only one copy of most financial reports and prospectuses, including reports and
                  prospectuses for the Variable Options, may be mailed to your household, even if you or other persons in your household have more than one contract issued by us or our affiliate. Call our Service Center at the toll-free telephone number
                  listed at the back of this prospectus if you need additional copies of financial reports, prospectuses, or annual and semiannual reports, or if you would like to receive one copy for each contract in future mailings.
Legal Proceedings
Like other life insurance companies, we from time to time are involved in legal proceedings of various
                  kinds, including regulatory proceedings and individual and class action lawsuits. In some legal proceedings involving insurers, substantial damages have been sought and/or material settlement payments have been made. Although the outcome
                  of any such proceedings cannot be predicted with certainty, we believe that, at the present time, there are no pending or threatened legal proceedings to which we, the Separate Account, or ALFS is a party that are reasonably likely to
                  materially affect the Separate Account, our ability to meet our obligations under the Contracts, or ALFS ability to perform its obligations.
Status Pursuant to Securities Exchange Act of 1934
Allianz Life of New York hereby relies on the exemption provided by Rule 12h-7 under the Securities
                  Exchange Act of 1934 from the requirement to file reports pursuant to Section 15(d) of that Act.
13.
Information on Allianz Life of New York
Allianz Life of New York is a stock life insurance company organized under the laws of the State of New
                  York on September 21, 1982. Our address is 1633 Broadway, 42nd Floor, New York, NY 10019-7585. Before January 1, 2003, Allianz Life of New York was known as Preferred Life Insurance Company of New York. We are a subsidiary of Allianz Life
                  Insurance Company of North America (Allianz Life), which is also a stock life insurance company. Allianz Life is a subsidiary of Allianz of America, Inc. (AZOA), a financial holding company. AZOA is a wholly owned subsidiary of Allianz
                  Europe, B.V., which in turn is a wholly owned subsidiary of Allianz SE, which is registered in Munich, Germany. We currently offer registered index-linked annuities and are licensed to do direct business in six states, including New York
                  and the District of Columbia. This prospectus currently is offered only in New York.
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Directors, Executive Officers and Corporate Governance
BOARD OF DIRECTORS
The Board currently consists of nine members, including our Chair and Chief Executive Officer, our
                  President, our Chief Financial Officer and Treasurer, our Vice President, Appointed Actuary, three independent outside board members, and two other non-independent board members. Age and positions are provided as of December 31, 2022,
                  except as otherwise noted.
The Board holds regular semi-annual meetings, generally in April and November of each year, and holds
                  special meetings or takes action by unanimous written consent as circumstances warrant. There was also one special joint meeting of the Board held in 2022 with the Board of Directors of Allianz Life Insurance Company of North America, the
                  Company's parent. The Board has standing Executive, Audit and Evaluation, Conflict of Interest, and Finance Committees, each of which is described in further detail below.
The current members of our Board are as follows.
Jasmine M. Jirele
Chair, Director, and Chief Executive Officer
Jasmine M. Jirele, age 45, joined Allianz Life in 2018 and currently serves as the Chair of the Board
                  and the Chief Executive Officer of Allianz Life Insurance Company of New York and the Chair of its Executive and Conflict of Interest committees, respectively. Ms. Jirele also serves as the President and Chief Executive Officer of Allianz
                  Life, and as a member of its Board and Executive Committee. 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
                  Investment Management U.S. LLC, and as a Director of Allianz Australia Life Insurance Holdings Limited, Allianz Australia Life Insurance Limited and Allianz Australia Life Policy Services Pty Limited, respectively.
Previously, Ms. Jirele was the Senior Vice President, Chief Growth Officer of Allianz Life from October
                  2018 to September 2021. In that role, Ms. Jirele was responsible for the oversight of new business strategy, product innovation, marketing, and corporate communications. Previously, Ms. Jirele was a Governor of Allianz Strategic
                  Investments, LLC from January to October 2021 and a Governor of Allianz Individual Insurance Group, LLC and TruChoice Financial Group, LLC from September 2021 to November 2022, respectively. She was previously a Governor of Allianz
                  Investment Management LLC from January 1, 2021 to February 15, 2022. Ms. Jirele was also the President of AZOA Services Corporation from September 2021 to March 2022. Prior to that, Ms. Jirele was the Executive Vice President, Head of
                  Customer Excellence at Wells Fargo Consumer Bank/Consumer Auto.
Ms. Jirele brings to the Board extensive operations, product innovation, marketing and communications,
                  growth strategy and insurance industry experience.
William E. Gaumond
Director, Chief
                  Financial Officer, and Treasurer
William E. Gaumond, age 49, currently serves as the Chief Financial Officer and Treasurer, and as a member
                  of the Board of Directors of Allianz Life of New York since January 1, 2016. Mr. Gaumond also serves as Chair of its Finance Committee and as a member of its Executive Committee, respectively. Mr. Gaumond joined Allianz Life in 2004 and
                  currently serves as the Senior Vice President, Chief Financial Officer and Treasurer, and as a member of its Board of Directors.
Mr. Gaumond also serves as the Chief Financial Officer of Allianz Foundation for North America since March
                  2016. He also serves as a Governor of 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 also serves as a Director and President of AZOA Services Corporation and PHP Holdings, Inc.,
                  respectively. He is also a Director of Questar Agency, Inc., Questar Capital Corporation, Yorktown Financial Companies, Inc., and Allianz Technology of America, Inc., respectively. Mr. Gaumond also serves as Director of Allianz of
                  America, Inc., and as its Executive Vice President. He also serves as a Director of Allianz Finance Corporation, and as its Chief Financial Officer and Treasurer.
Mr. Gaumond previously served as a Director of Questar Asset Management, Inc. from January 2016 to
                  September 2021, and as a Governor of Allianz Individual Insurance Group, LLC and TruChoice Financial Group, LLC from January 2018
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to November 2022, respectively. Mr. Gaumond previously served as the Interim Controller for Allianz Life and Allianz Life
                  of New York, the Interim Treasurer for Allianz Foundation for North America, from October 2022 through March 2023. Mr. Gaumond also served as the interim Vice President, Controller and Assistant Treasurer and a Director of Allianz Life
                  Insurance Company of Missouri until April 2023. Mr. Gaumond is responsible for all finance and risk management functions, with oversight of the controller, financial planning, treasury, and corporate risk management areas.
Mr. Gaumond brings to the Board extensive financial services, investment, and insurance industry
                  experience, including serving as Chief Financial Officer and Treasurer of Allianz Life and Allianz Life of New York.
Eric J. Thomes
Director and President
Eric J. Thomes, age 50, joined Allianz Life of New York on April 1, 2019, and currently serves as the
                  President and as a member of the Board of Directors. Mr. Thomes also serves as the Senior Vice President, Chief Distribution Officer of Allianz Life. Mr. Thomes also serves as a Governor, and as the Chief Executive Officer and Chief
                  Manager of Allianz Life Financial Services, LLC. He also serves as the President and Chief Executive Officer and Board Chair of Yorktown Financial Companies, Inc., Questar Agency, Inc. and Questar Capital Corporation, respectively. Mr.
                  Thomes previously served as Director of Questar Asset Management, Inc. from April 2019 to September 2021. He also served as a Governor of Allianz Individual Insurance Group, LLC, and TruChoice Financial Group, LLC, from April 2019 to
                  November 2022, 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.
Mr. Thomes brings to the Board extensive financial services and insurance industry experience.
Jesse J. Kling
Director and Vice President, Appointed Actuary
Jesse J. Kling, age 43, joined Allianz Life of New York's Board of Directors on May 16, 2022, and is the
                  Vice President, Appointed Actuary of Allianz Life of New York since May 3, 2022, and is a member of its Finance Committee. Mr. Kling also serves as the Vice President, Actuarial Financial Reporting and Analysis and Appointed Actuary of
                  Allianz Life. Mr. Kling also is a Director, President and Chief Executive Officer, and Appointed Actuary of Allianz Life Insurance Company of Missouri. He also serves as a member of the Employee Benefits Administration Committee of AZOA
                  Services Corporation since July 2022.
Mr. Kling joined Allianz Life in June 2002. Previously, Mr. Kling served as Illustration Actuary for
                  Allianz Life of New York from November 2012, to May 2022, and as Assistant Vice President, Actuary of Allianz Life from April 2018, to May 2022, and as Illustration Actuary of Allianz Life from November 2012, to May 2022. Mr. Kling brings
                  to the Board extensive experience in actuarial and financial performance matters.
Ronald M. Clark
Director
Ronald M. Clark, age 75, joined Allianz Life of New York's Board of Directors on March 31, 2013, and is a
                  member of its Audit and Evaluation Committee and its Finance Committee. Mr. Clark also serves as a Director and Audit Committee Chair of Allianz Reinsurance America, Inc. Mr. Clark also serves as a Director of Manitex International, Inc.,
                  a public company, as the Chair of its Compensation Committee, and as a member of its Audit Committee. Mr. Clark has over 40 years of experience in investments, having served as the President of Allianz Investment Corporation from 1980 to
                  1990, the Chief Operating Officer of Allianz of America, Inc. ("AZOA") from 1990 to 2001, the Chief Investment Officer of AZOA from 2002 to 2011, and as a Director of Fireman's Fund Insurance Company from 2014 to 2015. Mr. Clark
                  previously served as a Director of Allianz Life and as the Chair of its Nomination, Evaluation and Compensation Committee, and as a member of its Audit and Executive Committees from 2014 to 2020.
Mr. Clark brings to the Board extensive experience in the financial services and insurance industries, as
                  well as extensive experience with investment matters.
Martha Clark Goss
Director
Martha Clark Goss, age 73, joined Allianz Life of New York's Board of Directors on October 15, 2005, and
                  is the Chair of its Audit and Evaluation Committee, and a member of its Conflict of Interest Committee. Ms. Goss has more than 40 years of executive experience, primarily in finance and investments and risk management. Since 1992, she has
                  served on a
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number of public and private company boards, has provided independent consulting services to various companies and serves
                  as an instructor for executive leadership training for Deloitte LLP. Ms. Goss currently serves as a director of American Water Works Company, Inc. and Neuberger Berman Mutual Funds. Ms. Goss brings to the Board extensive experience in the
                  financial services industry as well as expertise on corporate governance and risk management matters. The Board also benefits from her perspective as a current and former director of other companies.
Lorraine Lods
Director
Lorraine Lods, age 54, joined Allianz Life of New York's Board of Directors on October 1, 2018. Ms. Lods
                  has over 30 years of insurance and financial service experience. Ms. Lods currently serves as Regional Vice President of Allianz Life Financial Services, LLC covering the New York City-Long Island Territory since 2009. Ms. Lods brings to
                  the Board extensive experience in the insurance industry as well as extensive experience in wholesaling.
Gary A. Smith
Director
Gary A. Smith, age 63, joined Allianz Life of New York's Board of Directors on May 10, 2005. He
                  previously served as a member of its Audit and Evaluation Committee from May 2005 to August 2018. Mr. Smith is Co-Founder and Senior Partner of Ivy Planning Group (Ivy), a 30-year-old management consulting and training company
                  specializing in strategy, diversity, leadership and change management. Mr. Smith has over 30 years of experience in strategy, technology, management consulting and executive coaching to large private sector companies and government
                  organizations. Mr. Smith has successfully developed and implemented strategies, led teams, and served the needs of a wide spectrum of clients, sharing best practices in management consulting in multiple venues. Mr. Smith brings to the
                  Board extensive experience in management consulting and diversity initiatives.
Kevin E. Walker
Director
Kevin E. Walker, age 60, joined Allianz Life of New York's Board of Directors on October 1, 2018, and is
                  a member of its Audit and Evaluation Committee and its Executive Committee. Mr. Walker also serves on Allianz Life's Board of Directors and is a member of its Audit Committee and Chair of its Nomination, Evaluation and Compensation
                  Committee, respectively. Mr. Walker serves as the Chair and Director of Allianz Reinsurance America, Inc., and is a member of its Audit Committee and Executive Committee. Mr. Walker has over 30 years of insurance and financial services
                  experience. Mr. Walker served at various Allianz affiliates throughout his career, most recently as the President and Chief Executive Officer of Allianz Reinsurance America, Inc. from 2015 to 2016. Mr. Walker has also served as a director
                  and officer for several other Allianz affiliates.
Mr. Walker brings to the Board extensive experience in the insurance industry, as well as extensive
                  experience in finance and operations.
EXECUTIVE OFFICERS
The current executive officers (other than Ms. Jirele and Messrs. Gaumond, Kling and Thomes) are as
                  follows. Age and positions are provided as of December 31, 2022, except as otherwise noted.
Karim Akhavan-Hezavei
Chief Operating Officer
Karim Akhavan-Hezavei, age 46, joined Allianz Life of New York August 1, 2022 and serve as the Chief
                  Operating Officer. Mr. Akhavan-Hezavei also serve as the Senior Vice President, Chief Operating Officer. Mr. Akhavan-Hezavei is responsible for Enterprise Operations, IT, and IT Security functions.
Mr. Akhavan-Hezavei was previously the Chief Operating Officer for Allianz Services from January 2019 to
                  July 2022. He was also a member of the Allianz Services Executive Management team with responsibility for operations and IT, global projects, and development of global business models.
Mr. Akhavan-Hezavei has served at various Allianz affiliates since 2013 in a variety of senior
                  leadership roles. Prior to joining Allianz, he held positions with Siemens and Ernst & Young Consulting. Mr. Akhavan-Hezavei has a Master's degree in Economics from Ludwig-Maximillans University in Munich, Germany.
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Gretchen Cepek
Chief Legal Officer and Secretary
Gretchen Cepek, age 54, joined Allianz Life of New York on February 17, 2012 and currently serves as the
                  Chief Legal Officer and Secretary and as a member of its Conflict of Interest Committee. Ms. Cepek is responsible for the legal, ethics and compliance departments as well as government relations and the special investigations unit. Ms.
                  Cepek also serves as the Senior Vice President, General Counsel and Secretary of Allianz Life and as the General Counsel and Secretary of AZOA Services Corporation. Ms. Cepek received her J.D. from Valparaiso University School of Law in
                  1993.
Neil H. McKay
Chief Actuary
Neil H. McKay, age 61, joined Allianz Life of New York in 1999 and currently serves as the Chief Actuary
                  since April 8, 2014. Mr. McKay also currently serves as the Senior Vice President, Chief Actuary of Allianz Life. Mr. McKay is responsible for all of the actuarial functions of Allianz Life of New York and Allianz Life, including the
                  actuarial assumptions underlying its products and the rate setting associated with existing and new products.
Jean-Roch P.F. Sibille
Chief Investment Officer
Jean-Roch P.F. Sibille, age 40, joined Allianz Life of New York in October 2018 and currently serves as
                  the Chief Investment Officer since May 3, 2022. He also currently serves as the Senior Vice President, Chief Investment Officer of Allianz Life, and the Chief Investment Officer of Allianz Life Insurance Company of Missouri, LLC,
                  respectively. Mr. Sibille is a Governor and the Chief Executive Officer of Allianz Investment Management U.S. LLC and a Governor of Allianz Investment Management, LLC and 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. He also serves as a Director and the President of
                  Allianz Finance Corporation.
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 Risk Dynamics.
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.
CORPORATE GOVERNANCE
Committees of the Board
The Executive Committee of the Board ("Executive Committee") is currently composed of Ms. Jirele
                  (Chair), and Messrs. Gaumond and Walker. The function of the Executive Committee is to exercise the authority of the Board between meetings of the Board, with the exceptions set forth in Allianz Life of New York's By-Laws. The Executive
                  Committee did not meet in 2022.
The Audit and Evaluation Committee of the Board is currently composed of Ms. Goss (Chair) and Messrs.
                  Clark and Walker. The Audit and Evaluation Committee is responsible for recommending the selection of independent certified public accountants, reviewing Allianz Life of New York's financial condition and the scope and results of the
                  independent audit and any internal audit, nominating candidates for director, evaluating the performance of principal officers deemed by the Audit and Evaluation Committee to be principal officers of Allianz Life of New York and
                  recommending to the Board of Directors the selection and compensation of such principal officers and any plan to issue options to its officers and employees for the purchase of shares of stock. The Audit and Evaluation Committee met two
                  times in 2022.
The Conflict of Interest Committee of the Board is currently composed of Ms. Jirele (Chair), and Mss.
                  Cepek and Goss. The Conflict of Interest Committee assists Allianz Life of New York in addressing ethics and conflict of interest matters. The Conflict of Interest Committee met once in 2022.
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The Finance Committee of the Board is currently composed of Messrs. Gaumond (Chair), Clark and Kling. Mr.
                  Kling replaced Mr. Steven J. Thiel on May 16, 2022. The Finance Committee is responsible for exercising all the powers of the Board of Directors with respect to the investments of the funds of Allianz Life of New York. The Finance
                  Committee met two times in 2022.
Independence of Certain Directors
Allianz Life of New York is not subject to the independence standards of the New York Stock Exchange or
                  any other national securities exchange, but is subject to the independence standards set out in New York Insurance laws and the Model Audit Rule. Applying the independence standards of the Model Audit Rule to the current members of
                  Allianz Life of New York's Board of Directors, as well as the members that served on Allianz Life of New York's Audit and Evaluation Committee during 2022, the Board of Directors has determined that Ms. Goss and Messrs. Clark and Walker
                  are "independent" under those standards.
Code of Ethics
All of our officers and employees, including our Chief Executive Officer, President, Chief Financial
                  Officer and Controller, are subject to Allianz Life of New York's Code of Ethics.
Executive Compensation
Compensation Discussion and Analysis
In this section, we provide an overview of the goals and principal components of our executive
                  compensation program and describe how we determine the compensation of our "Named Executive Officers" or "NEOs." Allianz Life of New York is a subsidiary of Allianz Life. Each of our NEOs is employed by both Allianz Life of New York and
                  Allianz Life. Our NEOs are compensated directly by Allianz Life. Allianz Life charges Allianz Life of New York an allocated percentage of each NEO's compensation. The allocated percentage of compensation charged to Allianz Life of New
                  York for our NEOs during the year ended December 31, 2022 is set forth below and hereafter referred to as the "Allocation Percentages." For 2022, our NEOs were:
Name
(1)
Title
Allocation
Percentages
Jasmine M. Jirele
Chair and Chief
Executive Officer
5.00%
William E. Gaumond
Chief Financial Officer
and Treasurer
5.00%
(1)
Our two most highly paid executive officers other than our principal
                      executive officer and principal financial officer are not included as NEOs for 2022 because their total compensation allocable to Allianz Life of New York did not exceed the $100,000 threshold established by SEC rules.
The details of each NEO's compensation may be found in the Summary Compensation Table and other
                  compensation tables included in this Executive Compensation section.
Executive Summary
Our NEOs are also officers of Allianz Life, our parent company, and are not paid additional compensation
                  for serving as executive officers of Allianz Life of New York. Instead, our NEOs are paid directly by Allianz Life with a certain portion of their Allianz Life compensation allocated to Allianz Life of New York, which allocation is
                  reviewed and approved by our Audit and Evaluation Committee with respect to those NEOs that are also the NY Principal Officers. The "NY Principal Officers" are the Chief Executive Officer, President, Chief Legal Officer, and Secretary,
                  Chief Administrative Officer and Chief Financial Officer and Treasurer. Therefore, our parent company, Allianz Life, establishes our NEOs' compensation programs with our Audit and Evaluation Committee reviewing and approving the
                  compensation allocations to Allianz Life of New York with respect to our NY Principal Officers. Allianz Life's compensation programs are intended to align our NEOs' interests with those of our ultimate stockholder, Allianz SE, the
                  ultimate parent company of Allianz Life and Allianz Life of New York. Allianz Life's compensation programs are designed to reward performance that meets or exceeds the goals established by the Compensation Committee, a management
                  committee of Allianz Life. Allianz Life is tasked with establishing the executive compensation philosophy. In line with Allianz Life's compensation philosophy described below, the total compensation received by our NEOs will vary based on
                  individual and corporate performance in light of annual and long-term performance goals. Our NEOs' total compensation is composed of a mix of annual base salary, annual cash awards based on corporate objectives and executive performance
                  factors and long-term equity incentive awards in the form of restricted stock units of the equity securities of Allianz SE.
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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, which directly compensates
                  the executives of Allianz Life of New York, except as such policies relate to the compensation for the Chief Executive Officer, is set through the Compensation Committee of Allianz Life. Decisions affecting the compensation of the Chief
                  Executive Officer
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are outside the scope of the Allianz Life Compensation Committee. Any such decisions are made by Allianz SE, subject to
                  review by the Nomination, Evaluation and Compensation Committee of the Allianz Life Board of Directors (the "NEC Committee"), and final approval by Allianz Life's Board of Directors. With respect to the compensation of other "principal
                  officers" selected by the Board for purposes of the duties of the NEC Committee under Minn. Stat. § 60D.20, subd. 3(d), the Compensation Committee's decisions are similarly subject to review by the NEC Committee and final approval by
                  Allianz Life's Board. The "principal officers" include the Chief Executive Officer, Chief Financial Officer, and General Counsel. Allianz Life's Board has delegated the following responsibilities to the Compensation Committee:
•
In general, establish the compensation philosophy and strategy of Allianz
                      Life and oversee the development and implementation of compensation, benefit, and perquisite programs for corporate executives consistent with the principles of ensuring that leadership is compensated effectively in a manner
                      consistent with the stated compensation strategy, internal equity considerations, competitive practices, shareholder interests, and the requirements of any applicable regulatory bodies in order to attract and retain high-quality
                      leadership. This responsibility includes periodic review of Allianz Life's compensation programs to pursue certain goals, with the expectation that changes will be made periodically to ensure these goals are attained.
•
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;
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•
gathering and correlating performance ratings and reviews for individual
                      executive officers, including the NEOs;
•
reviewing executive compensation recommendations against appropriate market
                      data and for internal consistency and equity; and
•
reporting to, and answering requests for information from, the Compensation
                      Committee.
Allianz Life's Human Resources officers also coordinate and share information with their counterparts at
                  Allianz SE.
Use of Competitive Compensation Data
Because Allianz Life competes most directly for executive talent with other large diversified financial
                  services companies, Allianz Life regards it as essential to regularly review the competitiveness of the total compensation programs for executives to ensure that Allianz Life provides compensation opportunities that compare favorably with
                  the levels of total compensation offered to similarly situated executives by other companies that participate in the compensation surveys in which Allianz Life participates. Allianz Life relies primarily on external market surveys of
                  corporate compensation and 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 of 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 $22,875 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. In addition, Allianz Life maintains retention bonus arrangements with certain executives, pursuant to which retention bonus payments are paid so long as such
                  executive remains employed with Allianz Life in good standing.
Severance Arrangements
Allianz Life 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.
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Other than the Executive Severance Plan, which is described later in this section, our NEOs 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 will occur in 2023.
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)
NY Allocation %
Salary
(c)
Bonus
(d)
Stock
Awards
(e)
(2)
Non-Equity
Incentive Plan Compensation
(g)
All Other
Compensation
(i)
(3)
Total
(j)
Jasmine M. Jirele
(1)
Chair and Chief Executive
Officer
2022
5.00%
$37,500
$10,000
$67,444
$44,963
$1,191
$161,097
William E. Gaumond
Chief Financial Officer and
Treasurer
2022
5.00%
$25,261
$
0
$47,125
$21,417
$1,242
$
95,045
(1)
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.
(2)
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 2023 for the 2022 performance year have a March 2027 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
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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.
(3)
The following table provides additional details regarding compensation
                      found in the "All Other Compensation" column.
Name
Year
Milestone/
Anniversary/
Recognition
(4)
Life
Insurance
Premiums
Employer
Match to
401(k) Plan
ASAAP
Contribution
(5)
Total
Jasmine M. Jirele
2022
$13
$34
$1,025
$119
$1,191
William E. Gaumond
2022
$64
$35
$1,025
$119
$1,242
(4)
Represents Milestone Anniversary Program, which pays a bonus at three and
                      five year anniversaries, and then every five years thereafter.
(5)
Represents company matching contribution to the Allianz Supplemental Asset
                      Accumulation Plan for deferrals in excess of IRS compensation limit.
Performance-Based Incentive Compensation Plans
AIP
The AIP is intended to provide an incentive that will encourage superior individual performance and
                  encourage retention of employees who have demonstrated exceptional performance or who are anticipated to significantly contribute to long-term success. The AIP seeks to accomplish this purpose by providing a bonus opportunity to eligible
                  employees who have made significant contributions during the plan year to the achievement of annual goals and objectives. The guidelines for target awards are meant to be illustrative of competitive market bonuses for similar job levels
                  in the marketplace. While the target awards may be used for illustrative, budget planning, or distribution scenarios, all bonus awards are discretionary and are in no way guaranteed.
The Compensation Committee or other duly authorized committee determines allocation of bonus awards to
                  employees. With respect to "principal officers" for purposes of the NEC Committee's duties, the NEC Committee recommends to Allianz Life's Board of Directors awards for final approval.
AEI
The AEI is designed to recognize the participant's continuous employment with Allianz Life over the
                  relevant period and shall be an incentive to continue employment. Grants under the AEI will generally only be made if the participant is employed with Allianz Life at the date of grant. Payments will be made only if the participant
                  remains employed with Allianz Life during the vesting period of the RSU, or leaves employment under circumstances set out in the AEI, including after retirement or early retirement eligibility, disability, or under certain other
                  circumstances. The securities issuable under the AEI are RSUs. An RSU constitutes the right to receipt of the market value of Allianz SE common stock at the time of exercise. This amount will be paid in cash. RSUs are subject to a
                  four-year vesting period. At the end of the four-year vesting period, the RSUs are exercised uniformly for all participants, provided they remain employed by Allianz Life, terminate after retirement or early retirement eligibility, or
                  under certain other circumstances. Vesting and exercise may accelerate if a participant leaves employment under other "good leaver" circumstances set forth in the AEI. The grant at fair value cannot be greater than 165% of a participant's
                  target amount. The maximum value of an exercise is an increase of 200% over the grant value (i.e., 300% of the grant value).
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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, and charged to Allianz Life of New York based on the Allocation Percentage assigned to each NEO.
Name
(a)
Grant Date
(b)
Estimated Future Payouts Under
                              Non-Equity
Incentive Plan Awards
(1)
Estimated Future Payouts Under Equity
                              Incentive
Plan Awards
(2,3)
Threshold ($)
(c)
Target ($)
(d)
Maximum ($)
(e)
Threshold ($)
(f)
Target ($)
(g)
Maximum ($)
(h)
Jasmine M. Jirele
3/3/2023
RSUs (under AEI)
$0
$56,250
$253,125
AIP Award
$0
$37,500
$56,250
William E. Gaumond
3/3/2023
RSUs (under AEI)
$0
$27,289
$122,802
AIP Award
$0
$18,193
$27,289
(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.
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, based on the Allocation Percentage assigned to each NEO.
Name
(a)
RSUs
Number of RSUs
That Have Not
Vested
(g)
(1,2)
Market Value of
RSUs That Have
Not Vested
(h)
(3)
Jasmine M. Jirele
73.350
$15,737
94.300
$20,231
120.350
$25,820
309.750
$66,454
William E. Gaumond
76.900
$16,498
97.400
$20,896
73.150
$15,694
223.550
$47,960
(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 2023, the RSUs listed on the second line will exercise in 2024, the RSUs listed on the third line will exercise in 2025, and the RSUs listed on the fourth line will exercise in 2026.
(3)
Based on an assumed stock price of $214.54 per share, which was the
                      arithmetic average of the closing prices of an Allianz SE share in the electronic cash market trading system Xetra (or any successor system) on December 30, 2022 and the nine immediately preceding trading days, converted from Euros
                      into U.S. dollars.
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Allianz SE Option Exercises and Stock Grants Vested in 2022
The following table summarizes the value received from Allianz SE stock grants vested during the year
                  ended December 31, 2022, and charged to Allianz Life of New York based on the Allocation Percentage assigned to each NEO.
Name
Stock Awards
Number of
Shares
Acquired
on Vesting (#)
Value Realized
on Vesting ($)
(1)
Jasmine M. Jirele
-
-
William E. Gaumond
102
$22,905
(1)
Represents Allianz SE RSUs that were exercised during 2022 pursuant to the
                      AEI. Amounts realized were paid in cash.
Executive Severance Plan
Executive officers who have the title of Senior Vice President or above and report directly to a senior
                  executive officer at a specific level are eligible to receive severance benefits under the Executive Severance Plan if they experience a qualifying termination of employment, meaning an involuntary termination for any reason other than
                  for "cause" with no offer of an equivalent position, and otherwise satisfy the conditions set forth in the plan. The purpose of the Executive Severance Plan is to provide severance benefits to executive officers whose employment is
                  involuntarily terminated in a qualifying termination of employment in order to assist with job transition. Pursuant to the Executive Severance Plan, eligible executive officers who are involuntarily terminated in a qualifying termination
                  of employment will receive a lump sum cash payment equal to one and one-half times their "annual base pay" in effect at the time of termination. Annual base pay, for purposes of this agreement, equals base salary and excludes special
                  payments, such as bonuses, expense reimbursements, living, or other allowances. Eligible executive officers would also be entitled to continuation of medical and dental coverage at employee premium rates for a period of 18 months
                  following termination, if the executive officer timely elects continuation coverage and pays the required premiums.
The following table shows the portion of the lump sum payments that would have been allocated to Allianz
                  Life of New York based on each NEO's Allocation Percentage and payable to each of our NEOs had they been terminated on December 31, 2022 and been eligible for severance payments pursuant to the Executive Severance Plan.
NEOs
Lump Sum Payment
Jasmine M. Jirele
$56,250
William E. Gaumond
$38,625
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Director Compensation
The following table provides information on compensation paid to the directors of Allianz Life of New
                  York for the year ended December 31, 2022.
Name
(a)
Fees Earned or
Paid in Cash
($)
(1)
(b)
Total
($)
(h)
Jasmine M. Jirele
(2)
Chair and Chief Executive
Officer
N/A
N/A
William E. Gaumond
(2)
Chief Financial Officer and
Treasurer
N/A
N/A
Eric J. Thomes
(2)
President
N/A
N/A
Steven J. Thiel
(2)
Vice President, Appointed
Actuary
N/A
N/A
Jesse J. Kling
(2)
Vice President, Appointed
Actuary
N/A
N/A
Lorraine Lods
(2)
Non-Independent Director
N/A
N/A
Ronald M. Clark
Independent Director
$30,000
$30,000
Martha Clark Goss
Independent Director
$45,000
$45,000
Gary A. Smith
Non-Independent Director
$30,000
$30,000
Kevin E. Walker
Independent Director
$30,000
$30,000
(1)
Represents cash compensation provided to our non-employee directors that is
                      formalized in the Non-Employee Director Compensation Plan for the year ended December 31, 2022.
(2)
As inside directors, Mss. Jirele and Lods, and Messrs.Gaumond, Thomes, and
                      Kling (and Mr. Thiel prior to Mr. Kling's election to the Board as of May 16, 2022) do not receive any compensation for their service as directors. Mr. Kling replaced Mr. Thiel on May 16, 2022. The compensation Ms. Jirele and Mr.
                      Gaumond received as executive officers of Allianz Life of New York is disclosed in the Summary Compensation Table as set forth herein.
Security Ownership of Certain Beneficial Owners and Management
We are an indirect wholly owned subsidiary of Allianz SE. Allianz SE's principal executive offices are
                  located at Königinstrasse 28, 80802 Munich, Germany. As of June 30, 2022, the directors and executive officers of Allianz Life of New York held less than 1% of Allianz SE's ordinary shares issued and outstanding.
Transactions with Related Persons, Promoters and Certain Control
                  Persons
We are a wholly owned subsidiary of Allianz Life, which is a wholly owned subsidiary of AZOA, which in
                  turn is a wholly owned subsidiary of Allianz Europe B.V. Allianz Europe B.V. is a wholly owned subsidiary of Allianz SE, our ultimate parent, which is registered in Munich, Germany.
Transactions with affiliates may not be on an arm's-length basis and may present the potential for
                  conflicts.
Business and Operational Risks Relevant to the Contract
As an insurance company, a number of risks may affect our business. However, because the Contract (and
                  any other insurance contract that we offer) is a regulated insurance product, as opposed to an investment in our business, many of the risks that may be relevant to an investor in our business are unlikely to be relevant to you. The risks
                  described below are only those business and operational risks that are likely to be relevant to you as a purchaser of the Contract.
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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. A sustained low interest rate environment presents challenges for us and other life insurance companies, as it generally reduces investment returns, raises the value of future
                      obligations, and challenges 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. In an attempt to curb rising inflation, the Federal Reserve and other central banks raised interest rates multiple times in 2022. It is unclear whether and
                      how interest rates will change in future periods. Although we take measures to manage economic risks associated with different interest rate environments, we may not be able to fully mitigate those risks.
•
Losses on Fixed Maturity Investments.
Our fixed maturity investments are subject to interest rate risk and credit risk. Interest rate risk refers to how the values of our fixed maturity investments
                      fluctuate in response to changes in market interest rates. Increases and decreases in prevailing interest rates generally result in decreases and increases, respectively, in the values of our fixed maturity investments. Credit risk
                      refers to the risk that a counterparty will default on its commitments to us under a fixed maturity investment. See "Defaults by Counterparties" below.
•
Losses on Equity Investments.
Our equity investments are generally valued based on quoted market prices and are subject to market risk. Market risk refers to how market prices for equity
                      investments are subject to fluctuation. A downward fluctuation in the market price for an equity investment could result in losses upon the sale of that investment. Fluctuations in market prices may result from, among other things,
                      actual or perceived changes in the attractiveness of specific investments or in general market conditions.
•
Losses on Real Estate Investments.
A portion of our investment portfolio consists of mortgage loans and mortgage-backed securities related to commercial, agricultural and residential real estate. The
                      value of our real estate investments may be negatively impacted by general economic conditions in the real estate sector, including supply and demand, market volatility, interest rate fluctuations, and geographic and extreme weather
                      risks, as well as the creditworthiness of obligors.
•
Losses upon the Sale of Illiquid Investments.
We hold certain investments that may lack liquidity, such as privately placed fixed maturity investments, mortgage loans, collateralized debt obligations, commercial
                      mortgage-backed securities, equity real estate and limited partnership interests. Although we seek to minimize the likelihood that we would need to sell illiquid investments, if we were required to liquidate these investments on short
                      notice, we may have difficulty doing so and may be forced to sell them for less than their fair value.
•
Prolonged and Elevated Inflationary Periods.
During inflationary periods, the value of our fixed maturity investments may fall, see "Losses on Fixed Maturity Investments" above. Inflation also increases expenses,
                      which will negatively impact our financial condition in the event that such additional costs cannot be offset. Prolonged and elevated inflation could adversely affect the financial markets and the economy generally, and dispelling it
                      may require governments to pursue a restrictive fiscal and monetary policy, which could constrain overall economic activity and our growth. During 2022, the economy experienced elevated inflation and inflationary pressures, which may
                      continue for future periods.
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•
Loss of Market Share to Competitors.
There is strong competition among insurers, banks, brokerage firms and other financial institutions and providers seeking clients for the types of products and
                      services that we provide. A loss of market share to our competitors could result in financial losses to our business. Our ability to successfully compete is dependent on numerous factors, some of which include the successful
                      implementation of our business strategy, our financial strength, the attractiveness of our products and services, our relationships with distributors, and our reputation. Our ability to compete may also be hindered if our competitors
                      obtain or seek to enforce intellectual property rights against us, or if we are otherwise precluded from offering products or services that are in demand. Our ability to compete may also be hindered if we are not able to protect or
                      enforce our own intellectual property rights. Recently, the New York Department of Financial Services ("NYDFS"), the regulatory authority for the insurance industry in New York, adopted amendments to its Regulation 47 that set forth
                      new requirements for registered index-linked annuities offered and sold in New York. These amendments are expected to significantly increase our competition in New York for sales of registered index-linked annuities. In addition, the
                      amendments prescribe certain terms and conditions for registered index-linked annuities offered and sold in New York. Changes to our annuity sales platform to comply with the amendments could substantially increase our costs.
•
Defaults by Counterparties.
Third-parties that owe us, or hold on our behalf (i.e., custodians), 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, or for us, cannot be
                      fully recovered 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.
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•
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), changes in global investment
                      asset values, systemic risk to financial systems, 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 announced its
                      expectations for insurance companies in managing the financial risks related to climate change. In addition, the SEC has proposed new disclosure rules that, if adopted, would generally require a wide range of registered companies,
                      including us, to prepare extensive disclosures and financial information on climate-related risk, although final SEC rules have not yet been adopted. Compliance with new regulations and regulatory developments may increase our risk
                      and financial reporting costs.
•
COVID-19 Pandemic.
The economic conditions and uncertainties during the COVID-19 pandemic have at times negatively impacted our net income, surplus, and capital and liquidity positions.
                      The extent to which a pandemic (including the COVID-19 pandemic or a future public health crisis) will impact our business and operations in the future cannot be predicted. Any risk management or contingency plans or preventative
                      measures we take may not adequately predict or address the impact of a pandemic on our business. As such, a pandemic could have a material adverse effect on our financial condition and operations and may also have the effect of
                      heightening the other risks described in this section of the prospectus.
•
Banking Sector Stress
. Recently, in March 2023, multiple banks (such as Silicon Valley Bank and Signature Bank) were placed into receivership or acquired by another bank pursuant to the
                      Federal Deposit Insurance Corporation's regulatory authority. Additional banks appeared to be at risk of failing. These events have elevated concerns among market participants about the liquidity, default, and non-performance risk
                      associated with banks, other financial institutions, and the financial services industry generally, and have added to already adverse market and economic conditions. We continue to closely monitor these events. If more banks or
                      financial institutions enter receivership or become insolvent in the future, there could be a material adverse effect on our business and financial condition.
Changes in applicable law may negatively affect our financial strength and
                  claims-paying ability.
We are subject to detailed and comprehensive regulation and supervision in New York by the NYDFS. The
                  NYDFS has broad administrative powers with respect to all aspects of the insurance business and, in particular, monitors the manner in which an insurance company offers, sells and administers its products. Therefore, we may from time to
                  time be subject to a variety of legal and regulatory actions relating to our current and past business operations and practices. Our operations, products and services are subject to varying other state and federal laws. In addition, our
                  operations, products and services are regulated by various regulatory authorities and self-regulatory authorities including state insurance departments, state securities administrators, state banking authorities, the Securities and
                  Exchange Commission, the Financial Industry Regulatory Authority, the Internal Revenue Service, the Department of Labor, and the U.S. Commodity Futures Trading Commission.
Changes to federal and state laws and regulations may materially affect the way in which we conduct our
                  business. We are faced with significant challenges due to the fact that our regulatory environment is evolving rapidly. Federal and state governments, including federal and state regulatory authorities, have become increasingly active in
                  the regulation of the businesses in which we engage. In addition, federal and state regulatory authorities are assuming active, and in some cases increasingly aggressive, roles in interpreting and enforcing laws and regulations related to
                  our business. We cannot predict the potential effects that any new laws or regulations, changes in existing laws or regulations, or the interpretation or enforcement of laws or regulations may have on our business, but such changes may
                  negatively affect our financial strength and claims-paying ability.
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The Securities and Exchange Commission adopted 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. It remains unclear the extent to which these rules, and the evolving nature of the enforcement and interpretation of these rules by the Securities and Exchange Commission, could ultimately affect
                  broker-dealers' willingness to recommend our registered annuity products. These rules could increase, and to some extent have increased, our overall compliance costs and could also increase our exposure to legal claims in certain
                  circumstances, including an increased risk of regulatory enforcement actions or potentially private claims.
The NYDFS, has adopted revisions to its Insurance Regulation 187, a regulation that imposes suitability
                  requirements on annuity and life insurance recommendations by producers and insurers subject to New York law. Under the amendments to Regulation 187, recommendations of and related to annuity contracts will be subject to a best interest
                  standard and other additional obligations. These revisions became effective for annuity recommendations on August 1, 2019 and for life insurance recommendations on February 1, 2020. These changes could have an adverse impact on the level
                  and type of services provided and compliance with Regulation 187 could also increase our overall operational costs for providing some of the services currently provided. These changes may lead to greater exposure to legal claims in
                  certain circumstances, including an increased risk of NYDFS-related actions.
Our reserves could be inadequate due to differences between our actual experience and
                  management's estimates and assumptions.
We establish and carry reserves to pay future benefits and claims of contract owners. Our reserves 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
                  contract owner elections (i.e., the exercise or non-exercise of contract 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 contract owners 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 contract 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. However, we cannot be certain that our reserves will ultimately be sufficient to pay future benefits and
                  claims of contract owners.
The amount of statutory capital that we must hold to meet our statutory capital
                  requirements can vary significantly from time to time.
Statutory accounting standards and capital and reserve requirements are prescribed by NYDFS and the
                  National Association of Insurance Commissioners. The NYDFS established regulations that govern reserving requirements and provide minimum capitalization requirements based on risk-based capital ("RBC") ratios for life insurance companies.
                  In any particular year, statutory surplus amounts and RBC ratios may increase or decrease depending on a variety of factors, including but not limited to, the amount of statutory income or losses that we generate, changes in reserves, the
                  amount of additional capital that we must hold to support business growth, changes in equity market levels, the value of certain fixed-income and equity securities in our investment portfolio, changes in interest rates, and changes to
                  existing RBC formulas. Additionally, state insurance regulators have significant leeway in interpreting existing regulations, which could further impact the amount of statutory capital or reserves that we must maintain. There can be no
                  assurance that we will be able to maintain our current RBC ratio in the future or that our RBC ratio will not fall to a level that could have a material adverse effect on our business. If we are unable to maintain minimum capitalization
                  requirements, our business may be subject to significant increases in supervision and control by the NYDFS.
Litigation and regulatory proceedings may negatively affect our financial strength and
                  claims-paying ability.
We have been 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
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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 contract owner 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 contract owner obligations, are important to maintaining public confidence in Allianz Life of New York and our products, and the ability to market our products and services. A downgrade or an
                  announced potential downgrade by credit rating agencies in our claims-paying and financial strength ratings may reflect an increased risk that we may not be able to meet our financial obligations. Any such downgrade or potential downgrade
                  may itself harm our financial strength and claims-paying ability by causing financial losses to our business. Such losses may be the result of:
•
reductions in new sales of insurance products, annuities and other
                      investment products;
•
increases in our cost of capital or limitations on our access to sources of
                      capital;
•
harm to our relationships with distributors and sales specialists;
•
material increases in the number or amount of full and partial withdrawals
                      under our insurance products;
•
pressure on us to reduce prices or increase crediting rates for many of our
                      insurance products; and
•
harm to our ability to obtain reinsurance or obtain reasonable pricing for
                      reinsurance.
Similarly, credit rating agencies also evaluate the insurance industry as a whole and may change Allianz
                  Life of New York's and other insurance companies' financial strength ratings based on the agencies' overall view of the industry. It is possible that Allianz Life of New York's credit rating could be similarly downgraded in the future
                  based on credit rating agencies' evaluation of the life insurance industry as a whole due to changes in their view of Allianz Life of New York relative to the industry or a change in their rating assessment methodologies. In addition,
                  downgrades or announced potential downgrades in the financial strength ratings of the financial institutions with which we do business may adversely impact our business operations and may cause financial losses to our business.
The evolving landscape of environmental, social and governance standards could adversely
                  affect our reputation or business results and could lead to litigation or regulatory proceedings that harm our financial condition.
Customers, regulators, and other market participants may evaluate our business or other practices
                  according to a variety of environmental, social and governance ("ESG") standards, expectations, or metrics, all of which may evolve, may be subjective or underdeveloped in nature, and may reflect contrasting or conflicting values.
                  Standard-setting organizations and regulators including, but not limited to, the SEC, and the NYDFS, have proposed or adopted, or may propose or adopt, ESG rules or standards applicable to us. As previously discussed, the SEC has proposed
                  new disclosure rules that, if adopted, would generally require a wide range of registered companies, including us, to prepare extensive disclosures and financial information on climate-related risk. Final SEC rules have not yet been
                  adopted. Due to the sometimes conflicting,
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uncertain, and subjective ESG regulatory and market environment, we may be seen as acting inconsistently with ESG
                  standards or values from the perspective of certain customers, regulators, or other constituents. As a result, we may face adverse regulatory, customer, media, or public scrutiny related to ESG that potentially could have a negative
                  impact on our business or reputation or lead to legal challenges.
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.
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;
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•
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 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
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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 of risks.
14.
Financial Statements
The statutory financial statements of Allianz Life Insurance Company of New York as of December 31, 2022
                  and 2021 and for each of the three years in the period ended December 31, 2022 included in Appendix D of this prospectus have been so included in reliance on the report of PricewaterhouseCoopers LLP, an independent registered public
                  accounting firm, given on the authority of said firm as experts in auditing and accounting.
The financial statements of the subaccounts of Allianz Life of NY Variable Account C of Allianz Life
                  Insurance Company of New York ("Variable Account C") as of December 31, 2022 are incorporated herein by reference to Variable Account C's
Form N-VPFS
(File No. 811-05716) filed with the SEC have been so incorporated in reliance on the report of PricewaterhouseCoopers LLP, an independent registered public accounting
                  firm, given on the authority of said firm as experts in auditing and accounting.
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Appendix A –
                  Available Indexes
S&P 500
®
Index
The S&P 500
®
Index is comprised of 500 stocks representing major U.S. industrial sectors.
The S&P 500
®
is a product of S&P Dow Jones Indices LLC or its affiliates ("SPDJI"), and has been licensed for
                  use by Allianz Life Insurance Company of New York ("Allianz Life of NY"). Standard & Poor's
®
and S&P 500
®
are registered trademarks of Standard & Poor's Financial Services LLC ("S&P") and Dow Jones
®
is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones"). The trademarks have been
                  licensed to SPDJI and have been sublicensed for use for certain purposes by Allianz Life of NY. Allianz Life of NY products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, any of their respective affiliates
                  (collectively, "S&P Dow Jones Indices"). S&P Dow Jones Indices does not make any representation or warranty, express or implied, to the owners of Allianz Life of NY products or any member of the public regarding the advisability
                  of investing in securities generally or in Allianz Life of NY products particularly or the ability of the S&P 500
®
to track general market performance. S&P Dow Jones Indices' only relationship to Allianz Life of NY with respect to the S&P 500
®
is the licensing of the Index and certain trademarks,
                  service marks and/or trade names of S&P Dow Jones Indices and/or its licensors. The S&P 500
®
is determined, composed and calculated by S&P Dow Jones Indices without regard to Allianz Life of NY or its products. S&P Dow Jones Indices have no obligation to
                  take the needs of Allianz Life of NY or the owners of Allianz Life of NY products into consideration in determining, composing or calculating the S&P 500
®
. S&P Dow Jones Indices is not responsible for and has not participated in the determination of the
                  prices, and amount of Allianz Life of NY products or the timing of the issuance or sale of Allianz Life of NY products or in the determination or calculation of the equation by which Allianz Life of NY products is to be converted into
                  cash, surrendered or redeemed, as the case may be. S&P Dow Jones Indices have no obligation or liability in connection with the administration, marketing or trading of Allianz Life of NY products. There is no assurance that investment
                  products based on the S&P 500
®
will
                  accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment advisor. Inclusion of a security within an index is not a recommendation by S&P Dow Jones Indices to buy,
                  sell, or hold such security, nor is it considered to be investment advice.
S&P DOW JONES INDICES DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF
                  THE S&P 500
®
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 MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY
                  ALLIANZ LIFE OF NY, OWNERS OF ALLIANZ LIFE OF NY PRODUCTS, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE S&P 500
®
OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT,
                  SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT,
                  STRICT LIABILITY, OR OTHERWISE. THERE ARE NO THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND ALLIANZ LIFE OF NY, OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES.
Russell 2000
®
Index
The Russell 2000
®
Index is an equity index that measures the performance of the 2,000 smallest companies in the Russell
                  3000
®
Index, which is made up of 3,000 of the
                  biggest U.S. stocks. The Russell 2000
®
Index is
                  constructed to provide a comprehensive and unbiased small-cap barometer and is completely reconstituted annually to ensure larger stocks do not affect the performance and characteristics of the true small-cap index.
The Russell 2000
®
Index (the "Index") is a trademark of Frank Russell Company ("Russell") and has been licensed for use
                  by Allianz Life Insurance Company of New York ("Allianz Life of NY"). Allianz Life of NY products are not in any way sponsored, endorsed, sold or promoted by Russell or the London Stock Exchange Group companies ("LSEG") (together the
                  "Licensor Parties") and none of the Licensor Parties make any claim, prediction, warranty or representation
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Appendix A
95
whatsoever, expressly or impliedly, either as to (i) the results to be obtained from the use of the Index (upon which the
                  Allianz Life of NY product is based), (ii) the figure at which the Index is said to stand at any particular time on any particular day or otherwise, or (iii) the suitability of the Index for the purpose to which it is being put in
                  connection with the Allianz Life of NY product. None of the Licensor Parties have provided or will provide any financial or investment advice or recommendation in relation to the Index to Allianz Life of NY or to its clients. The Index is
                  calculated by Russell or its agent. None of the Licensor Parties shall be (a) liable (whether in negligence or otherwise) to any person for any error in the Index or (b) under any obligation to advise any person of any error therein.
Nasdaq-100
®
Index
The NASDAQ-100 Index
®
includes 100 of the largest domestic and international non-financial securities listed on The NASDAQ
                  Stock Market
®
based on market capitalization.
The Product(s) is not sponsored, endorsed, sold or promoted by Nasdaq, Inc. or its affiliates (Nasdaq,
                  with its affiliates, are referred to as the "Corporations"). The Corporations have not passed on the legality or suitability of, or the accuracy or adequacy of descriptions and disclosures relating to, the Product(s). The Corporations
                  make no representation or warranty, express or implied to the owners of the Product(s) or any member of the public regarding the advisability of investing in securities generally or in the Product(s) particularly, or the ability of the
                  Nasdaq-100 Index
®
to track general stock market
                  performance. The Corporations' only relationship to Allianz Life Insurance Company of New York ("Licensee") is in the licensing of the NASDAQ
®
, and Nasdaq-100 Index
®
registered trademarks, and certain trade names of the Corporations and the use of the Nasdaq-100 Index
®
which is determined, composed and calculated by NASDAQ
                  without regard to Licensee or the Product(s). Nasdaq has no obligation to take the needs of the Licensee or the owners of the Product(s) into consideration in determining, composing or calculating the Nasdaq-100 Index
®
. The Corporations are not responsible for and have not
                  participated in the determination of the timing of, prices of, or quantities of the Product(s) to be issued or in the determination or calculation of the equation by which the Product(s) is to be converted into cash. The Corporations have
                  no liability in connection with the administration, marketing or trading of the Product(s).
THE CORPORATIONS DO NOT GUARANTEE THE ACCURACY AND/OR UNINTERRUPTED CALCULATION OF THE NASDAQ-100 INDEX
®
OR ANY DATA INCLUDED THEREIN. THE CORPORATIONS MAKE NO
                  WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY LICENSEE, OWNERS OF THE PRODUCT(S), OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE NASDAQ-100 INDEX
®
OR ANY DATA INCLUDED THEREIN. THE CORPORATIONS MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY
                  DISCLAIM ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE NASDAQ-100 INDEX
®
OR ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL THE CORPORATIONS HAVE ANY LIABILITY FOR ANY LOST PROFITS OR SPECIAL, INCIDENTAL,
                  PUNITIVE, INDIRECT, OR CONSEQUENTIAL DAMAGES, EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.
EURO STOXX 50
®
The EURO STOXX 50
®
, Europe's leading blue-chip index for the Eurozone, provides a blue-chip representation of supersector
                  leaders in the Eurozone. The index covers 50 stocks from 11 Eurozone countries: Austria, Belgium, Finland, France, Germany, Ireland, Italy, Luxembourg, the Netherlands, Portugal and Spain.
STOXX Limited, Deutsche Börse Group and their licensors, research partners or data providers have no
                  relationship to Allianz Life Insurance Company of New York ("Allianz Life of NY"), other than the licensing of the EURO STOXX 50
®
and the related trademarks for use in connection with Allianz Life of NY
                  products.
STOXX, Deutsche Börse Group and their licensors, research partners or data providers do
not
:
•
sponsor, endorse, sell or promote Allianz Life of NY products.
•
recommend that any person invest in Allianz Life of NY products or any
                      other securities.
•
have any responsibility or liability for or make any decisions about the
                      timing, amount or pricing of Allianz Life of NY products.
•
have any responsibility or liability for the administration, management or
                      marketing of Allianz Life of NY products.
•
consider the needs of Allianz Life of NY products or the owners of Allianz
                      Life of NY products in determining, composing or calculating the EURO STOXX 50 or have any obligation to do so.
Allianz Index Advantage
®
New York Variable Annuity Prospectus – May 1, 2023
Appendix A
96
STOXX, Deutsche Börse Group and their licensors, research partners or data providers give
                  no warranty, and exclude any liability (whether in negligence or otherwise), in connection with the Allianz Life of NY products or their performance.
STOXX does not assume any contractual relationship with the purchasers of Allianz Life of NY products or
                  any other third parties.
Specifically,
•
STOXX, Deutsche Börse Group and their licensors, research partners or data
                      providers do not give any warranty, express or implied, and exclude any liability about:
•
The results to be obtained by Allianz Life of NY products, the owner of
                      Allianz Life of NY products or any other person in connection with the use of the EURO STOXX 50 and the data included in the EURO STOXX 50;
•
The accuracy, timeliness, and completeness of the EURO STOXX 50 and its
                      data;
•
The merchantability and the fitness for a particular purpose or use of the
                      EURO STOXX 50 and its data;
•
The performance of Allianz Life of NY products generally;
•
STOXX, Deutsche Börse Group and their licensors, research partners or data
                      providers give no warranty and exclude any liability, for any errors, omissions or interruptions in the EURO STOXX 50 or its data;
•
Under no circumstances will STOXX, Deutsche Börse Group or their licensors,
                      research partners or data providers be liable (whether in negligence or otherwise) for any lost profits or indirect, punitive, special or consequential damages or losses, arising as a result of such errors, omissions or interruptions
                      in the EURO STOXX 50 or its data or generally in relation to Allianz Life of NY products, even in circumstances where STOXX, Deutsche Börse Group or their licensors, research partners or data providers are aware that such loss or
                      damage may occur.
The licensing Agreement between Allianz Life of NY and STOXX is solely for their benefit and not for the
                  benefit of the owners of Allianz Life of NY products or any other third parties.
Allianz Index Advantage
®
New York Variable Annuity Prospectus – May 1, 2023
Appendix A
97
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 Cap and/or
                      Participation Rate,
(ii)
any Index losses greater than the 10%, 20%, or 30% Buffer, 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, 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. The Daily Adjustment for 3-year and 6-year Term Index Options 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 3-year and 6-year Term Index
                  Options than 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 tracks three hypothetical derivative investments (call and put options) that we designed
                  to mimic the market value of your allocation to an Index Performance Strategy or an Index Protection NY Strategy Index Option. We calculate a Proxy Value for each of your selected Index Options.
The Proxy Value involves tracking three hypothetical derivatives and is calculated using the following
                  formula:
Proxy Value = (at-the-money call) – (out-of-the-money call) – (out-of-the-money put)
With respect to our Proxy Value formula, we designed the at-the-money call and out-of-the-money call to
                  value the potential for Index gains 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%, 20% or 30% Buffer. It is important to note that the
                  out-of-the-money put will almost always reduce the Daily Adjustment, even when the current Index price on a Business Day is higher than the Index Value on the 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.
Allianz Index Advantage
®
New York Variable Annuity Prospectus – May 1, 2023
Appendix B
98
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 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 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 by calling (800) 624-0197, or
                  visiting our website at
allianzlife.com/new-york
.
Allianz Index Advantage
®
New York Variable Annuity Prospectus – May 1, 2023
Appendix B
99
Appendix C –
                  Variable Options Available Under the Contract
The following includes information about the Variable Options. More information about the Variable Options
                  is available in the Variable Options' prospectuses, which may be amended from time to time and can be found online at
allianzlife.com/new-york/variableoptions
. You can also request this information at no cost by calling (800) 624-0197, or by sending an email request to contact.us@allianzlife.com.
The current expenses and performance information below reflects fees and expenses of the Variable Options,
                  but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. The Variable Options' past performance is not necessarily an
                  indication of future performance.
Investment Objectives
Variable Option and
Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of December 31, 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
0.87%
0.78%
0.68%
0.35%
Long-term capital appreciation with
preservation of capital as an
important consideration
AZL
®
MVP Balanced Index
Strategy Fund
(2)
Adviser: Allianz Investment
Management LLC
0.71%
-14.87%
2.09%
4.61%
Long-term capital appreciation
AZL
®
MVP Growth Index
Strategy Fund
(2)
Adviser: Allianz Investment
Management LLC
0.66%
-15.10%
3.14%
6.31%
(1)
The AZL
®
Government Money Market Fund's annual expenses reflect a temporary fee reduction. Please see the AZL
®
Government Money Market Fund's prospectus for information
                      regarding the expense reimbursement or fee waiver arrangement.
(2)
This Variable Option is managed in a way that is intended to minimize
                      volatility of returns (referred to as a "managed volatility strategy"). For more information see Risk Factors – Managed Volatility Variable Option Risk, or refer to the Variable Option's prospectus for more information.
Allianz Index Advantage
®
New York Variable Annuity Prospectus – May 1, 2023
Appendix C
100
Appendix D –
                  Selected Financial Data and Statutory Financial Statements
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 2023
                  and beyond to differ materially from those expressed in, or implied by, those forward-looking statements. See "Forward-Looking Statements."
Statutory Financial Statements
The statutory financial statements of Allianz Life Insurance Company of New York as of December 31, 2022
                  and 2021 and for each of the three years in the period ended December 31, 2022 included in this Appendix D have been so included in reliance on the report of PricewaterhouseCoopers LLP, an independent registered public accounting firm,
                  given on the authority of said firm as experts in auditing and accounting. The principal business address of PricewaterhouseCoopers LLP is 45 South Seventh Street, Suite 3400, Minneapolis, MN.
Allianz Index Advantage
®
New York Variable Annuity Prospectus – May 1, 2023
Appendix D
101
Part I
Item 11(f).
Selected Financial Data
(dollars in thousands, unless otherwise stated)
The following table sets forth the Company's selected historical
          financial data. The selected financial data has been derived from the Statutory Financial Statements included elsewhere in this prospectus, and should be read in conjunction with "Management's Discussion and Analysis of Financial Condition and
          Results of Operations" and the Company's audited Statutory Financial Statements.
These historical results are not necessarily indicative of results
          to be expected for any future period.
Year ended December 31,
Selected income data
2022
2021
2020
2019
2018
Premium and annuity considerations*
$
658,839
689,602
431,944
376,919
306,832
Net investment income
18,100
16,177
18,028
19,866
23,273
Ceded reinsurance
                  reserve and expense adjustments
1,146
578
291
181
201
Fees from separate accounts
58,894
66,792
66,045
68,960
72,602
Total
                  income
736,979
773,149
516,308
465,926
402,908
Policyholder benefits and surrenders
274,066
281,533
244,532
255,885
246,712
Change in aggregate
                  reserves
76,056
(17,165)
1,842
2,503
(35,379)
General and administrative and commission
82,936
78,354
56,875
52,630
43,506
Net transfers to
                  separate accounts
351,286
358,538
186,015
134,980
107,721
Total benefits and other expenses
784,344
701,260
489,264
445,998
362,560
Income tax expense
                  (benefit)
3,586
6,319
1,280
(7,343)
(292)
Net realized capital gain (loss)
22,638
(59,957)
(41,220)
(70,095)
7,217
Net (loss)
                  income
(28,313)
5,613
(15,456)
(42,824)
47,857
Capital and Surplus:
Change in unrealized
                  capital gain (loss)
4,843
1,534
(1,845)
(8,937)
18,410
Other change in capital & surplus
2,024
(106)
1,934
(649)
(15,579)
Capital contribution
                  from parent
30,000
—
—
—
—
Net change in capital & surplus
$
8,554
7,041
(15,367)
(52,410)
50,688
*Includes premiums and annuity and
                  supplementary contract considerations.
As of December 31,
Selected balance sheet data
2022
2021
2020
2019
2018
Total cash and invested assets
$
671,072
610,691
590,406
596,501
652,934
Investment income due
                  and accrued
4,719
4,480
4,744
4,921
5,270
Other admitted assets
8,914
9,085
8,604
12,922
4,246
Separate account
                  assets
4,347,526
4,447,304
3,773,866
3,232,062
2,677,964
Total
                  admitted assets
5,032,231
5,071,560
4,377,620
3,846,406
3,340,414
Total policyholder
                  liabilities
550,065
473,598
490,011
487,107
484,136
Other liabilities
(36,924)
(12,352)
(42,226)
(44,099)
(45,390)
Separate account
                  liabilities
4,347,526
4,447,304
3,773,866
3,232,062
2,677,964
Total
                  liabilities
4,860,667
4,908,550
4,221,651
3,675,070
3,116,710
Total
                  capital and surplus
$
171,564
163,010
155,969
171,336
223,746
Selected Financial Data and Management's Discussion and Analysis
Page 1 of 13
Item 11(h).
Management's Discussion and Analysis of Financial Condition and
          Results of Operations
The following discussion and analysis provides an assessment by
          management of the Company's financial condition as of December 31, 2022, compared with December 31, 2021, and its results of operations for each of the three years ended December 31, 2022, 2021, 2020, respectively. The information contained
          herein should be read in conjunction with the financial statements, notes, exhibits and schedules in the 2022 and 2021 Annual Statement and audited Statutory Financial Statements of the Company. Amounts are presented on a non-consolidated basis
          in accordance with Statutory Accounting Principles (SAP).
Forward-looking Statements
This report reviews the Company's financial condition and results of
          operations. Where appropriate, factors that may affect future financial performance are also identified and discussed. Certain statements made in this report include "forward-looking statements" within the meaning of the Private Securities
          Litigation Reform Act of 1995. Forward- looking statements include any statement that may predict, forecast, indicate or imply future results, performance or achievements instead of historical facts, and may contain words like "believe",
          "expect", "estimate", "project", "budget", "forecast", "anticipate", "plan", "will", "shall", "may", and other words, phrases or expressions with similar meaning. Forward-looking statements are subject to risks and uncertainties. Readers are
          cautioned not to place undue reliance on forward-looking statements as a prediction of actual results. The Company undertakes no obligation to update publicly or revise any forward-looking statements.
Company Overview
The Company is a life insurance company domiciled in New York and is
          licensed to sell insurance products in six U.S. states and the District of Columbia. The Company primarily offers individual variable-indexed annuities which are sold through licensed registered representatives contracted with a broker/dealer.
          The Company also maintains a closed portfolio of individual traditional variable annuities, fixed annuities, individual and group life policies, and individual and group accident and health policies, but does not actively issue new policies
          related to these products.
Allianz Life of New York is a wholly owned subsidiary of Allianz
          Life Insurance Company of North America (Allianz Life). Allianz Life is a wholly owned subsidiary of Allianz of America, Inc. (AZOA), which is a subsidiary of Allianz Europe, B.V.. Allianz Europe, B.V. is a wholly owned subsidiary of Allianz SE,
          the Company's ultimate parent, which is incorporated in Munich, Germany.
The Company has organized its principal operations into the
          following segments: Individual Annuities and Other.
Individual Annuities
The Individual Annuities segment provides tax-deferred investment
          growth and lifetime income opportunities for our customers through fixed, fixed-indexed and variable-indexed. The "fixed" and "variable" classifications describe whether we or the contractholders bear the investment risk of the assets supporting
          the contract.
Variable annuities allow the contractholder to make deposits into
          various investment options and also have unique product features that allow for guaranteed minimum income benefits, guaranteed minimum accumulation benefits, guaranteed minimum death benefits, and guaranteed minimum withdrawal benefits. The
          variable annuity products with guaranteed minimum benefits which provide a minimum return based on their initial deposit may be increased by additional deposits, bonus amounts, or other account crediting features. The income and accumulation
          benefits shift a portion of the investment risk from the contractholder back to the Company. The Company's variable annuity sales strategy has shifted to variable-indexed annuity products, which combines a separate account option with a general
          account option that is similar to a fixed-indexed annuity. Sales of our variable-indexed annuity have increased in recent years due to an industry shift from traditional variable products as well as the Allianz Index Advantage® New York Variable
          Annuity product being very competitive. Our Individual Annuity products are sold through independent distribution channels made up of registered representatives.
We discontinued selling traditional variable annuities and fixed
          annuities and the business is in run-off, however, in-force contracts are material and thus reported within the Individual Annuities segment.
Selected Financial Data and Management's Discussion and Analysis
Page 2 of 13
Other
The Other segment consists of individual term life, which is not
          material enough to break out in a separate segment, as well as closed blocks of life, long-term care (LTC), and Special Markets products. The Special Markets products include individual and group annuity and life products, including whole and
          term life insurance. Although Other products are part of the combined results, the Company does not allocate additional resources to these areas other than to maintain the operational support to its current customers.
Income and expense allocation
We maintain segregated investment portfolios for the Company but do
          not maintain segregated portfolios for each segment. All net investment income and other Corporate income and expense activity is allocated to the segments. Assets are only monitored at the total Company level, and as such, asset disclosures by
          segment are not included herein.
Income and expense related to assets backing policyholder reserves
          are allocated to the segments based on policyholder statutory reserve levels. The results of our segments also reflect allocation of income and expense related to assets backing surplus. Income and expense related to assets backing surplus are
          allocated to the segments based on estimated required capital levels for each segment.
Basis of Presentation
The Statutory Financial Statements have been prepared in accordance
          with accounting practices prescribed or permitted by the New York State Department of Financial Services (the Department). The Department recognizes statutory accounting practices prescribed or permitted by the state of New York for determining
          and reporting the financial condition and results of operations of an insurance company and its solvency under New York insurance law. The state of New York has adopted the National Association of Insurance Commissioners (NAIC)
Accounting Practices and Procedures Manual
as its prescribed basis of statutory accounting principles (SAP). The state of New York has also adopted certain prescribed accounting practices that differ from those found in
          NAIC SAP. The Company has no material statutory accounting practices that differ from those of the Department or NAIC SAP. These practices differ in some respects from accounting principles generally accepted in the United States of America (U.S.
          GAAP). The effects of these differences, while not quantified, are presumed to be material to the Statutory Financial Statements.
The preparation of Statutory Financial Statements in conformity with
          NAIC SAP requires management to make certain estimates and assumptions that affect reported amounts of admitted assets and liabilities, including reporting or disclosure of contingent assets and liabilities as of December 31, 2022, and 2021 and
          the reported amounts of revenues and expenses during the reporting period. Future events, including changes in mortality, morbidity, interest rates, capital markets, and asset valuations could cause actual results to differ from the estimates
          used within the Statutory Financial Statements. Such changes in estimates are recorded in the period they are determined.
Adoption of New Financial Accounting Standards
See Note 3 – "Accounting Changes and Correction of Errors" of the
          Company's audited Statutory Financial Statements in this prospectus for information related to recent accounting pronouncements.
Application of Critical Accounting Policies
Our accounting policies require management to make interpretative
          and valuation judgments and to make estimates based upon assumptions that affect the amounts of assets, liabilities, revenues, and expenses reported in our Statutory Financial Statements. Because the use of assumptions and estimates inherently
          entails uncertainty, the effects of accounting policies under different conditions could produce results that are significantly different. A discussion of the presentation of the business factors that affect critical accounting policies can be
          found in Note 2 of the accompanying Statutory Financial Statements and are summarized below.
Accounting for Investments
Investment valuation and presentation are determined to be in
          accordance with methods prescribed by the NAIC. See Note 5 and 6 of the audited Statutory Financial Statements for additional information regarding the portfolio and fair value of investments.
Aggregate Reserves for Life Policies and Annuity
          Contracts
See Notes 10 through 12 of the audited Statutory Financial
          Statements for additional information regarding our annuity and life actuarial reserves, deposit liabilities, and separate accounts.
Selected Financial Data and Management's Discussion and Analysis
Page 3 of 13
Derivatives
See Notes 2 and 5 of the audited Statutory Financial Statements for
          additional information regarding our derivatives and hedging instruments.
Reinsurance
See Note 9 of the audited Statutory Financial Statements for
          additional information regarding reinsurance agreements we have entered into to manage insurance risk as well as businesses we have exited.
Income Taxes
See Note 7 of the audited Statutory Financial Statements for
          additional information regarding income tax estimates and assumptions.
Individual Annuities and Other
Based upon the significance of the Individual Annuities segment and
          its overall impact on the total results of operations, we only provided variance commentary at the total company level for the year ended December 31, 2022 compared to 2021 and year ended December 31, 2021, compared to 2020.
Total Results of Operations
Year ended December 31,
Increase
                  (decrease) and % change
Increase
                  (decrease) and % change
2022
2021
2020
2022 - 2021
2021 - 2020
Income:
Premium and annuity considerations*
$
658,839
689,602
431,944
$
(30,763)
(4.5)
%
$
257,658
59.7
%
Net investment
                  income
18,100
16,177
18,028
1,923
11.9
(1,851)
(10.3)
Ceded reinsurance reserve and expense
                  adjustments
1,146
578
291
568
98.3
287
98.6
Fees from
                  separate accounts
58,894
66,792
66,045
(7,898)
(11.8)
747
1.1
Total income
736,979
773,149
516,308
(36,170)
(4.7)
256,841
49.7
Benefits and other expenses:
Policyholder benefits and surrenders
274,066
281,533
244,532
(7,467)
(2.7)
37,001
15.1
Change in
                  aggregate reserves
76,056
(17,165)
1,842
93,221
543.1
(19,007)
(1,031.9)
General and administrative and
                  commission
82,936
78,354
56,875
4,582
5.8
21,479
37.8
Net transfers
                  to separate accounts
351,286
358,538
186,015
(7,252)
(2.0)
172,523
92.7
Total benefits and other expenses
784,344
701,260
489,264
83,084
11.8
211,996
43.3
Pretax
                  (loss) income
(47,365)
71,889
27,044
(119,254)
(165.9)
44,845
165.8
Income tax expense (benefit)
3,586
6,319
1,280
(2,733)
(43.3)
5,039
393.7
Net realized
                  capital gain (loss)
22,638
(59,957)
(41,220)
82,595
137.8
(18,737)
(45.5)
Net (loss) income
$
(28,313)
5,613
(15,456)
$
(33,926)
(604.4)
%
$
21,069
136.3
%
Capital and Surplus:
Change in unrealized capital gain
                  (loss)
$
4,843
1,534
(1,845)
$
3,309
215.7
%
$
3,379
183.1
%
Other change
                  in capital & surplus
2,024
(106)
1,934
2,130
2,009.4
(2,040)
(105.5)
Capital contribution from parent
30,000
—
—
30,000
—
—
—
Net change in
                  capital & surplus
$
8,554
7,041
(15,367)
$
1,513
21.5
%
$
22,408
145.8
%
*Includes premiums and annuity and
                  supplementary contract considerations.
Selected Financial Data and Management's Discussion and Analysis
Page 4 of 13
Selected Operating Performance Measures
Year ended December 31,
Increase
                  (decrease) and % change
Increase
                  (decrease) and % change
2022
2021
2020
2022 - 2021
2021 - 2020
Deposits and gross
                  premiums written:
Individual Annuities
$
653,562
685,610
425,561
$
(32,048)
(4.7)
%
$
260,049
61.1
%
Other
5,492
4,416
4,108
1,076
24.4
308
7.5
Total
$
659,054
690,026
429,669
$
(30,972)
(4.5)
%
$
260,357
60.6
%
In-force:
Individual
                  Annuities
$
4,654,719
4,797,886
3,990,425
$
(143,167)
(3.0)
%
$
807,461
20.2
%
Other
1,837,298
750,332
328,472
1,086,966
144.9
421,860
128.4
Total
$
6,492,017
5,548,218
4,318,897
$
943,799
17.0
%
$
1,229,321
28.5
%
Deposits and in-force amounts in the table above are for direct
          business. Deposits reflect amounts collected on both new and renewal business. Individual Annuities in-force represents account values for our annuity contracts. Other products in-force represent gross life insurance within the life and Special
          Markets products. The deposits decreased within Individual Annuities in 2022 as a result of lower variable-indexed annuity sales due to equity market volatility. The decrease of in-force in the Individual Annuities segment in 2022 is primarily
          driven by equity market decreases resulting in lower contractholder account values. Deposits and in-force within Other products increased in 2022 due to term life policy sales.
Change in Key Market Factors
Our Individual Annuities segment is impacted by various market
          impacts and movements which are summarized below:
Year ended December 31,
% change
2022
2021
2020
2022 - 2021
2021 - 2020
Stock Index
S&P 500
(19.44)%
26.89%
16.26%
(46.33)%
10.63%
NASDAQ 100
(32.97)%
26.63%
47.58%
(59.60)%
(20.95)%
Year ended December 31,
Basis point (bps) change
2022
2021
2020
2022 - 2021
2021 - 2020
Interest Rates
Swap rate - 10
                  year
3.84%
1.58%
0.93%
226 bps
65 bps
Swap rate - 20
                  year
3.74%
1.76%
1.32%
198 bps
44 bps
Year Ended December 31, 2022
Compared
          to
Year Ended December 31, 2021
Overview
The change in capital and surplus was favorable in 2022 primarily due to a capital contribution from Allianz Life and net
          realized capital gains on derivatives due to negative equity markets, partially offset by increased aggregate reserves driven by additional asset adequacy reserves.
Income
•
Premium and annuity considerations
:
Premium and annuity
          considerations decreased primarily due to equity market volatility which reduced variable-indexed annuity premium in 2022.
•
Net investment income:
Net investment income
          increased primarily due to a increase in average invested assets and higher asset yields.
•
Ceded reinsurance reserve and expense adjustments:
Ceded reinsurance reserve and expense adjustments increased primarily due to the ceded expense allowance on term life product sales.
•
Fees from separate accounts
: Fees from separate accounts decreased, primarily due to lower M&E and benefit rider income from the effects of negative equity markets in 2022, which resulted in lower
          average traditional variable annuity separate account assets in 2022.
Selected Financial Data and Management's Discussion and Analysis
Page 5 of 13
Benefits and Other Expenses
•
Policyholder benefits and surrenders
:
Policyholder benefits and
          surrenders decreased primarily due to a decrease in variable annuity surrenders.
•
Change in aggregate reserves:
Change in aggregate reserves
          was driven by additional asset adequacy reserves on both the variable annuity and fixed annuity lines of business and VM 21 reserve increases due to equity market impacts and interest rate movements impacting the variable annuity line of
          business. This was partially offset by fixed annuity reserve decreases due to the continued run-off of the closed block of business.
•
General and administrative and commission:
General and administrative and commission increased primarily due to an increase in sundry general expenses.
•
Net transfers to separate accounts:
Net transfers to separate accounts decrease is driven by new premium and policyholder withdrawals, and decreased due to lower variable-indexed premium.
•
Income tax expense (benefit)
:
Income tax expense
          decreased driven by pre-tax income and hedging impacts.
•
Net realized capital gain (loss):
Net realized capital gains are driven by derivatives that hedge guarantees in our Individual Annuities segment
          due to a decrease in equity markets.
Capital and Surplus
•
Change in unrealized capital gain (loss):
Unrealized capital gains are primarily due to derivatives that hedge guarantees in our Individual Annuities
          segment due to a decrease in equity markets.
•
Other change in capital and surplus:
Other change in capital and surplus decrease was driven by an increase in net deferred income tax primarily
          due to changes in Statutory vs tax reserves.
Year Ended December 31, 2021 Compared to Year Ended December 31,
          2020
Overview
The change in capital and surplus was favorable in 2021 due to
          increased variable-indexed annuity premiums and decreases in aggregate reserves primarily in the Individual Annuities segment due to increases in equity markets and interest rates. This was partially offset by an increase in net transfers to the
          separate accounts and commissions which are both reflective of the increase in premiums, unfavorable hedging impacts, an increase in variable annuity policyholder benefits and surre
nders, and an increase in income tax expenses year-over-year
.
Income
•
Premium and annuity considerations
:
Premium and annuity
          considerations increased primarily due to the continued growth of the variable-indexed annuity product which was impacted by competitive product features in the Individual Annuities segment.
•
Net investment income:
Net investment income
          decreased primarily due to a decrease in average invested assets backing general account policyholder liabilities as a result of the continued run-off of the Company's fixed annuity block of business. Assets supporting the general account
          products decreased despite increased premiums because the significant products are in the separate account.
•
Ceded reinsurance reserve and expense adjustments:
Ceded reinsurance reserve and expense adjustments increased primarily due to the ceded expense allowance on the term life product.
•
Fees from separate accounts
:
Fees from separate accounts
          increased slightly, primarily due to higher M&E from the effects of positive equity markets in 2021, which resulted in higher average traditional variable annuity separate account assets in 2021, despite surrenders increasing as well. The
          increase was partially offset by lower benefit rider income.
Benefits and Other Expenses
•
Policyholder benefits and surrenders
:
Policyholder benefits and
          surrenders increased primarily due to an increase in variable surrenders, partially offset by fixed death claims and surrenders driven by policyholder activity.
•
Change in aggregate reserves:
Change in aggregate reserves
          was driven by VM 21 reserve decreases due to equity market impacts and interest rate movements impacting the variable annuity line of business and fixed annuity reserve decreases due to the continued run-off of the closed block of business. This
          is partially offset by additional asset adequacy reserves the variable line of business.
Selected Financial Data and Management's Discussion and Analysis
Page 6 of 13
•
General and administrative and commission:
General and
          administrative and commission increased primarily due to higher variable indexed-annuity commissions as a result of an increase in production.
•
Net transfers to separate accounts:
Net transfers to separate accounts increase is driven by new premium and policyholder withdrawals, and increased due to higher separate account premium.
•
Income tax expense (benefit)
:
Income tax expense
          increased driven by pre-tax income and hedging impacts.
•
Net realized capital (loss) gain:
Net realized capital losses are driven by derivatives hedging guarantees in our Individual Annuities segment.
Capital and Surplus
•
Change in unrealized capital gain (loss):
Unrealized capital gains are
          primarily due to derivatives hedging guarantees in our Individual Annuities segment due to positive equity markets.
•
Other change in capital and surplus:
Other change in capital and
          surplus decrease was driven by an increase in the asset valuation reserve.
The following tables provide the results of operations for the
          Individual Annuities and Other segments:
Individual Annuities
Segment Results of Operations
Year ended December 31,
Increase
                  (decrease) and % change
Increase
                  (decrease) and % change
2022
2021
2020
2022 - 2021
2021 - 2020
Income:
Premium and annuity considerations*
$
655,804
686,652
429,006
$
(30,848)
(4.5)
%
$
257,646
60.1
%
Net investment
                  income
13,899
12,181
14,100
1,718
14.1
(1,919)
(13.6)
Fees from
                  separate accounts
58,894
66,792
66,045
(7,898)
(11.8)
747
1.1
Total
                  income
728,597
765,625
509,151
(37,028)
(4.8)
256,474
50.4
Benefits and
                  other expenses:
Policyholder
                  benefits and surrenders
271,102
279,788
241,717
(8,686)
(3.1)
38,071
15.8
Change in aggregate reserves
$
71,289
(25,127)
(5,248)
$
96,416
383.7
%
$
(19,879)
(378.8)
%
General and
                  administrative and commission
79,959
76,484
55,706
3,475
4.5
20,778
37.3
Net transfers to separate accounts
351,286
358,538
186,015
(7,252)
(2.0)
172,523
92.7
Total
                  benefits and other expenses
773,636
689,683
478,190
83,953
12.2
211,493
44.2
Pretax income (loss)
(45,039)
75,942
30,961
(120,981)
(159.3)
44,981
145.3
Income tax
                  expense (benefit)
3,409
6,675
1,465
(3,266)
(48.9)
%
5,210
355.6
%
Net realized capital gain (loss)
22,688
(59,965)
(41,117)
82,653
137.8
(18,848)
(45.8)
Net income
                  (loss)
$
(25,760)
9,302
(11,621)
$
(35,062)
(376.9)
%
$
20,923
180.0
%
Capital and Surplus:
Change in
                  unrealized capital gain (loss)
$
4,997
1,627
(1,873)
$
3,370
207.1
%
$
3,500
186.9
%
Other change in capital & surplus
1,756
(88)
1,697
1,844
2,095.5
(1,785)
(105.2)
Net change
                  in capital & surplus
$
(19,007)
$
10,841
$
(11,797)
$
(29,848)
(275.3)
%
$
22,638
191.9
%
*Includes premiums and annuity and
                  supplementary contract considerations.
Selected Financial Data and Management's Discussion and Analysis
Page 7 of 13
Other
Segment Results of Operations
Year ended December 31,
Increase
                  (decrease) and % change
Increase
                  (decrease) and % change
2022
2021
2020
2022 - 2021
2021 - 2020
Income:
Premium and annuity considerations
$
3,035
2,950
2,938
$
85
2.9
%
$
12
0.4
%
Net investment
                  income
4,201
3,996
3,927
205
5.1
69
1.8
Ceded reinsurance reserve and expense
                  adjustments
1,146
578
291
568
98.3
287
98.6
Total
                  income
8,382
7,524
7,156
858
11.4
368
5.1
Benefits and other expenses:
Policyholder
                  benefits and surrenders
2,964
1,745
2,815
1,219
69.9
(1,070)
(38.0)
Change in aggregate reserves
4,767
7,962
7,090
(3,195)
(40.1)
872
12.3
General and
                  administrative and commission
2,977
1,870
1,168
1,107
59.2
702
60.1
Total benefits and other expenses
10,708
11,577
11,073
(869)
(7.5)
504
4.6
Pretax (loss) income
(2,326)
(4,053)
(3,917)
1,727
42.6
(136)
(3.5)
Income tax (benefit) expense
176
(356)
(185)
532
149.4
(171)
(92.4)
Net realized
                  capital (loss) gain
(50)
8
(103)
(58)
(725.0)
111
107.8
Net income (loss)
$
(2,552)
(3,689)
(3,835)
$
1,137
30.8
%
$
146
3.8
%
Capital and Surplus:
Change in unrealized capital (loss)
                  gain
$
(154)
(93)
28
$
(61)
(65.6)
%
$
(121)
(432.1)
%
Other change
                  in capital & surplus
268
(18)
237
286
1,588.9
%
(255)
(107.6)
Net change in capital & surplus
$
(2,438)
(3,800)
(3,570)
$
1,362
35.8
$
(230)
(6.4)
Capital Contributions
Year ended December 31,
Increase
                  (decrease) and % change
2022
2021
2022 - 2021
Capital and Surplus:
Capital Contribution from parent
$
30,000
—
$
30,000
—
%
A capital contribution was received from Allianz Life in March 2022. See Note 13 of the Company's audited Statutory Financial
          Statements for further reference.
Financial Condition
Investment Strategy
Our investment strategy focuses on
          diversification by asset class. We seek to achieve economic diversification, while limiting overall credit and liquidity risks. We attempt to mitigate these credit and liquidity risks by adhering to investment policies that provide portfolio
          diversification on an asset class, creditor, and industry basis, and by complying with investment limitations governed by state insurance laws and regulations, as applicable. We also consider all relevant objective information available in
          estimating the cash flows related to structured securities. We actively monitor and manage exposures, and determine whether any securities are impaired. The aggregate credit risk taken in the investment portfolio is influenced by our risk/return
          preferences, the economic and credit environment, and the ability to manage this risk through liability portfolio management. We also have an asset-liability management strategy to align cash flows and duration of the investment portfolio with
          contractholder liability cash flows and duration.
Selected Financial Data and Management's Discussion and Analysis
Page 8 of 13
The following table presents the investment portfolio at
          December 31:
2022
2021
Carrying Value
% of total
Carrying Value
% of total
Bonds
$
647,422
96.5
%
$
580,114
95.0
%
Cash and cash
                  equivalents
22,009
3.3
29,047
4.8
Policy loans
185
—
106
—
Derivative assets
—
—
700
0.1
Receivables for
                  securities
1,456
0.2
724
0.1
Total cash
                  and invested assets
$
671,072
100.0
%
$
610,691
100.0
%
Bonds
Refer to Note 5 of the audited Statutory Financial Statements for
          information regarding the nature of our portfolio of bonds. The tables below represents the NAIC ratings for the Company's bond portfolio at December 31, 2022 and 2021.
2022
NAIC Classes
Fair Value
% of Total
Amortized Cost
% of Total
1
$
402,120
68.3
%
$
442,762
68.4
%
2
180,165
30.6
198,397
30.6
Investment
                  grade
582,285
98.9
641,159
99.0
3
6,242
1.1
6,263
1.0
4
—
—
—
—
5
—
—
—
—
6
—
—
—
—
Below
                  investment grade
6,242
1.1
6,263
1.0
Total
$
588,527
100.0
%
$
647,422
100.0
%
2021
NAIC Classes
Fair Value
% of Total
Amortized Cost
% of Total
1
$
366,499
59.4
%
$
351,132
60.6
%
2
241,412
39.2
221,262
38.1
Investment
                  grade
607,911
98.6
572,394
98.7
3
8,016
1.3
7,196
1.2
4
555
0.1
524
0.1
5
—
—
—
—
6
—
—
—
—
Below
                  investment grade
8,571
1.4
7,720
1.3
Total
$
616,482
100.0
%
$
580,114
100.0
%
Selected Financial Data and Management's Discussion and Analysis
Page 9 of 13
Commercial Mortgage-backed
and Asset-backed Securities
Commercial mortgage-backed securities (CMBS) represent pools of
          commercial mortgages that are broadly diversified across property types and geographical areas. The following table summarizes our exposure to CMBS holdings by NAIC classes and vintage year as of December 31:
2022
NAIC Classes
Amortized Cost
% of Total
Vintage
Amortized Cost
% of Total
1
$
74,182
100.0
%
2022
$
—
—
%
2
—
—
2021
—
—
3
—
—
1
2020
2,457
3.3
4
—
—
2019
3,718
5.0
5
—
—
2018 and prior
68,007
91.7
6
—
—
$
74,182
100.0
%
$
74,182
100.0
%
2021
NAIC Classes
Amortized Cost
% of Total
Vintage
Amortized Cost
% of Total
1
$
83,279
100.0
%
2021
$
—
—
%
2
—
—
2020
2,464
3.0
3
—
—
2019
3,750
4.5
4
—
—
2018
8,093
9.7
5
—
—
2017 and prior
68,972
82.8
6
—
—
$
83,279
100.0
%
$
83,279
100.0
%
Asset backed security (ABS) holdings consist primarily of aircraft
          leases, credit card receivables and other asset-backed securities that meet specific criteria, such as credit quality, insurance requirements, or limits on these types of investments.
The following table summarizes our exposure to other ABS holdings by
          NAIC classes and vintage year as of December 31:
2022
NAIC Classes
Amortized Cost
% of Total
Vintage
Amortized Cost
% of Total
1
$
2,825
100.0
%
2022
$
—
—
%
2
—
—
2021
2,800
99.1
3
—
—
2020
—
—
4
—
—
2019
—
—
5
—
—
2018 and prior
25
0.9
6
—
—
$
2,825
100.0
%
$
2,825
100.0
%
2021
NAIC Classes
Amortized Cost
% of Total
Vintage
Amortized Cost
% of Total
1
$
2,881
100.0
%
2021
$
2,800
97.2
%
2
—
—
2020
—
—
3
—
—
2019
—
—
4
—
—
2018
—
—
5
—
—
2017 and prior
81
2.8
6
—
—
$
2,881
100.0
%
$
2,881
100.0
%
Selected Financial Data and Management's Discussion and Analysis
Page 10 of 13
Unrealized investment losses on bonds, for investment grade (NAIC
          classes 1-2) and below investment grade (NAIC classes 3-6) securities by duration are as follows at December 31:
2022
Investment Grade
% of Total
Below Investment
                  Grade
% of Total
Twelve months or less
                  below fair value
$
36,020
58.7
%
$
115
0.2
%
More than twelve
                  months below fair value
25,225
41.1
43
—
Total
$
61,245
99.8
%
$
158
0.2
%
2021
Investment Grade
% of Total
Below Investment
                  Grade
% of Total
Twelve months or less
                  below fair value
$
2,970
71.0
%
$
9
0.2
%
More than twelve
                  months below fair value
1,203
28.8
—
—
Total
$
4,173
99.8
%
$
9
0.2
%
See Note 5 of the audited Statutory Financial Statements for
          additional disclosures in regards to unrealized investment losses on bonds.
Other-than-temporary impairments, by market sector, for impairments
          included in the Statements of Operations, were as follows at December 31:
2022
2021
Impairment
No. of
                  Securities
Impairment
No. of
                  Securities
Corporate securities
$
539
3
$
—
—
Refer to Note 6 of the audited Statutory Financial Statements for
          information regarding the fair value and fair value hierarchy level of our financial instruments.
Liquidity and Capital Resources
Overview
The Company's liquidity requirements are generally met through funds
          provided by investment income, receipt of insurance premiums, M&E fees and benefit rider income, and maturities and sales of investments.
The Company does not utilize the capital markets as a source of
          capital. Should the need for capital arise, the Company may utilize its parent, Allianz Life, as an alternative source of funding. The Company has a line of credit agreement with its parent, Allianz Life, to provide liquidity to the Company, as
          needed. The Company's borrowing capacity under the agreement is limited to 5% of the general account admitted assets of the Company as of the preceding year end which amounts to $124,831. The Company's general account admitted assets include the
          book value portion of the non-insulated separate account assets. As of December 31, 2022 and 2021, there are no amounts outstanding under the line of credit agreement. In addition, if capital infusions are deemed necessary, the Company obtains
          prior approval by the Department, as appropriate.
The primary uses of funds are policy benefits, commissions, other
          product-related acquisition costs, investment purchases, and operating expenses. The Company routinely reviews its sources and uses of funds in order to meet its ongoing obligations.
Financial Ratings and Strength
We received the following financial strength ratings as of
          December 31, 2022:
•
AM Best    A+ (Superior)
•
S&P        AA (Very Strong)
The financial strength ratings are influenced by many factors
          including the operating and financial performance, asset quality, liquidity, asset/liability management, overall portfolio mix, financial leverage, and exposure to risks.
Selected Financial Data and Management's Discussion and Analysis
Page 11 of 13
Cash Flows
The cash flows of the Company for the years ended December 31, 2022,
          2021, and 2020 are summarized in the condensed table below:
Year ended December 31,
2022
2021
2020
Net cash provided by operating activities
$
949
79,047
38,478
Net cash used in
                  investing activities
(39,612)
(67,319)
(61,112)
Net cash provided by
                  (used in) financing and miscellaneous activities
31,625
682
(1,742)
Net (decrease) increase in cash and cash equivalents
$
(7,038)
12,410
(24,376)
We have the funds necessary to meet capital requirements in the
          state of New York and to support our operations.
The decrease in net cash provided by operating activities in 2022
          compared to 2021 is primarily due to a decrease in premiums and other income, and increases in net transfers to separate accounts and commissions. This was partially offset by a decrease in surrenders and annuity benefits.
The increase in net cash provided by operating activities in 2021 compared to 2020 is primarily due to an
          increase in premiums and other income. This was partially offset by an increase in surrenders and annuity benefits, an increase in commissions, lower net investment income, and an increase in income taxes paid.
The decrease in cash flow used in investing activities in 2022
          compared to 2021 was primarily driven by derivative cash impacts and a net increase in bond purchases.
The increase in cash flow used in investing activities in 2021 compared to 2020 was primarily driven by derivative cash impacts, partially offset by a net increase in bond
          purchases.
The increase in cash provided by financing activities in 2022
          compared to 2021 is primarily due to the capital contribution from parent and an increase in cash used by other miscellaneous activities.
The increase in cash provided by financing activities in 2021 compared to 2020 is primarily due to the change in payable from parent, and a decrease in cash used by other
          miscellaneous activities.
Risk-Based Capital
See Note 15 of the audited Statutory Financial Statements for
          information regarding the Risk-Based Capital (RBC). The Company's RBC ratio significantly exceeds required minimum thresholds as of December 31, 2022 and 2021.
Statutory Surplus and Dividends
The Company is required to meet minimum statutory capital and
          surplus requirements. The Company's statutory capital and surplus as of December 31, 2022 and 2021 were in compliance with these requirements. The maximum amount of dividends that can be paid by New York insurance companies to stockholders
          without prior approval of the Department is subject to restrictions relating to statutory earned surplus, also known as unassigned funds. Unassigned funds are determined in accordance with the accounting procedures and practices governing
          preparation of the statutory annual statement. In accordance with New York statutes, the Company may declare and pay from its Unassigned surplus cash dividends of not more than the greater of 10% of its beginning-of-the year statutory surplus, or
          its net gain from operations of the insurer, not including realized gains, for the 12-month period ending the 31st day of the preceding year. Based on these restrictions, ordinary dividends of $17,156 can be paid in 2023 without the approval of
          the Department. The Company paid no dividends in 2022, 2021 or 2020.
Commitments & Contingencies
See Note 18 of the audited Statutory Financial Statements for
          information regarding commitments and contingencies
The Company has contractual obligations in the form of Policyholder
          liabilities, see Notes 10 through 12 of the audited Statutory Financial Statements for additional information regarding our annuity and life actuarial reserves, deposit liabilities, and separate accounts.
Off-Balance Sheet Arrangements
The Company does not have any off-balance sheet transactions,
          arrangements or other relationships that management believes would be reasonably likely to have a material effect on the Company's liquidity or capital position.
Selected Financial Data and Management's Discussion and Analysis
Page 12 of 13
The Company utilizes derivatives for which the company is either
          required to settle variation margin or post collateral; see Note 5 of the audited Statutory Financial Statements for additional information regarding derivative collateral management.
Item 11(j).
Quantitative and Qualitative Disclosures about Market Risk
Market risk is the risk of the loss of fair value resulting from
          adverse changes in market rates and prices, such as interest rates and equity prices. Market risk is directly influenced by the volatility and liquidity in the markets in which the related underlying financial instruments are traded. Reference
          Note 4 of the audited Statutory Financial Statements for additional details on how we mitigate our market exposure risk and our overall risk management practices.
Sensitivity Analysis
To assess the impact of changes in interest rate and equity markets,
          we perform sensitivity tests. Sensitivity tests measure the instantaneous impact of a single hypothetical interest rate or equity price change on our post-tax income, or fair value of an asset or liability, while holding all other rates or prices
          constant. To assess interest rate risk, we perform a sensitivity test which instantaneously shocks interest rates across all maturities by a hypothetical 50 basis points (bps). To assess equity risk, we perform a sensitivity test which
          instantaneously shocks all equity prices by a hypothetical 15%.
Interest Rate Risk
One means of assessing exposure to interest rate changes is to
          measure the potential change in the statutory value of an asset due to a hypothetical change in interest rates of 50 bps across all maturities. We noted that under this model, with all other factors remaining constant, a 50 bps increase in
          interest rates would cause our post-tax income to increase by $6,197 as of December 31, 2022.
We also examined the impact on after tax income due to a
          hypothetical decrease in interest rates of 50 bps across all maturities. Under this model, with all other factors being constant, we estimated that such a decline would cause our post-tax income to decrease by $9,033 as of December 31, 2022. Note
          that the impacts referenced reflect the net hedge impact and do not include any economic impact related to our fixed-income investment portfolio or economic changes in reserve calculations.
Equity Market Risk
One means of assessing exposure to changes in equity market prices
          is to estimate the potential changes in post-tax income from a hypothetical change in equity market prices of 15%. Under this model, with all other factors constant, we estimated that a decrease in equity market prices would cause our post-tax
          income to decrease by $14,273, while an increase in equity market prices would cause our post-tax income to decrease by $9,822 based on our equity exposure as of December 31, 2022. Note that the impacts referenced reflect the net hedge impact and
          do not include any economic impact related to our fixed-income investment portfolio or economic changes in reserve calculations.
Selected Financial Data and Management's Discussion and Analysis
Page 13 of 13
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Statutory Financial Statements
December 31, 2022 and 2021
(With Report of Independent Auditors Thereon)
Report of Independent Auditors
To the Board of Directors of Allianz Life Insurance Company of New York
Opinions
We have audited the accompanying statutory financial statements of Allianz Life Insurance Company of New York (the "Company"), which
            comprise the statutory statements of admitted assets, liabilities, and capital and surplus as of December 31, 2022 and 2021, and the related statutory statements of operations, of capital and surplus, and of cash flow for each of the three
            years in the period ended December 31, 2022, including the related notes (collectively referred to as the "financial statements").
Unmodified Opinion on Statutory Basis of Accounting
In our opinion, the accompanying financial statements present fairly, in all material respects, the admitted assets, liabilities and
            capital and surplus of the Company as of December 31, 2022 and 2021, and the results of its operations and its cash flows for each of the three years in the period ended December 31, 2022, in accordance with the accounting practices prescribed
            or permitted by the New York State Department of Financial Services described in Note 2.
Adverse Opinion on U.S. Generally Accepted Accounting Principles
In our opinion, because of the significance of the matter discussed in the Basis for Adverse Opinion on U.S. Generally Accepted
            Accounting Principles section of our report, the accompanying financial statements do not present fairly, in accordance with accounting principles generally accepted in the United States of America, the financial position of the Company as of
            December 31, 2022 and 2021, or the results of its operations or its cash flows for each of the three years in the period ended December 31, 2022.
Basis for Opinions
We conducted our audit in accordance with auditing standards generally accepted in the United States of America (US GAAS). Our
            responsibilities under those standards are further described in the Auditors' Responsibilities for the Audit of the Financial Statements section of our report. We are required to be independent of the Company and to meet our other ethical
            responsibilities, in accordance with the relevant ethical requirements relating to our audit. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion.
Basis for Adverse Opinion on U.S. Generally Accepted Accounting Principles
As described in Note 2 to the financial statements, the financial statements are prepared by the Company on the basis of the
            accounting practices prescribed or permitted by the New York State Department of Financial Services, which is a basis of accounting other than accounting principles generally accepted in the United States of America.
The effects on the financial statements of the variances between the statutory basis of accounting described in Note 2 and accounting
            principles generally accepted in the United States of America, although not reasonably determinable, are presumed to be material.
Responsibilities of Management for the Financial Statements
Management is responsible for the preparation and fair presentation of the financial statements in accordance with the accounting
            practices prescribed or permitted by the New York State Department of Financial Services. Management is also responsible for the design, implementation, and maintenance of internal control relevant to the preparation and fair presentation of
            financial statements that are free from material misstatement, whether due to fraud or error.
In preparing the financial statements, management is required to evaluate whether there are conditions or events, considered in the
            aggregate, that raise substantial doubt about the Company's ability to continue as a going concern for one year after the date the financial statements are available to be issued.
1 of 42
Auditors' Responsibilities for the Audit of the Financial Statements
Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material
            misstatement, whether due to fraud or error, and to issue an auditors' report that includes our opinion. Reasonable assurance is a high level of assurance but is not absolute assurance and therefore is not a guarantee that an audit conducted in
            accordance with US GAAS will always detect a material misstatement when it exists. The risk of not detecting a material misstatement resulting from fraud is higher than for one resulting from error, as fraud may involve collusion, forgery,
            intentional omissions, misrepresentations, or the override of internal control. Misstatements are considered material if there is a substantial likelihood that, individually or in the aggregate, they would influence the judgment made by a
            reasonable user based on the financial statements.
In performing an audit in accordance with US GAAS, we:
a.
Exercise professional judgment and maintain professional skepticism throughout the audit.
b.
Identify and assess the risks of material misstatement of the financial statements, whether due to fraud or error, and design and perform audit procedures responsive to those risks.
            Such procedures include examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements.
c.
Obtain an understanding of internal control relevant to the audit in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing
            an opinion on the effectiveness of the Company's internal control. Accordingly, no such opinion is expressed.
d.
Evaluate the appropriateness of accounting policies used and the reasonableness of significant accounting estimates made by management, as well as evaluate the overall presentation of
            the financial statements.
e.
Conclude whether, in our judgment, there are conditions or events, considered in the aggregate, that raise substantial doubt about the Company's ability to continue as a going concern
            for a reasonable period of time.
We are required to communicate with those charged with governance regarding, among other matters, the planned scope and timing of the
            audit, significant audit findings, and certain internal control-related matters that we identified during the audit.
/s/PricewaterhouseCoopers LLP
Minneapolis, Minnesota
April 7, 2023
2 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus
December 31, 2022 and 2021
(Dollars in thousands, except share data)
Admitted Assets
2022
2021
Cash and invested
                    assets:
Bonds
$
647,422
580,114
Cash and
                    cash equivalents
22,009
29,047
Policy
                    loans
185
106
Derivative

                    assets
—
700
Receivables

                    for securities
1,456
724
Total
                    cash and invested assets
671,072
610,691
Investment income
                    due and accrued
4,719
4,480
Deferred tax asset,
                    net
8,439
6,772
Other assets
475
2,313
Admitted
                    assets, exclusive of separate account assets
684,705
624,256
Separate account
                    assets
4,347,526
4,447,304
Total
                    admitted assets
$
5,032,231
5,071,560
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ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus
December 31, 2022 and 2021
(Dollars in thousands, except share data)
Liabilities and Capital and Surplus
2022
2021
Policyholder
                    liabilities:
Life
                    policies and annuity contracts
$
459,725
388,469
Accident
                    and health policies
83,151
78,678
Deposit-type

                    contracts
6,735
6,122
Life
                    policy and contract claims
21
71
Accident
                    and health policy and contract claims
433
258
Total
                    policyholder liabilities
550,065
473,598
General expenses due
                    and accrued
1,108
494
Due from separate
                    accounts
(64,853)
(38,810)
Payable to parent
                    and affiliates
5,176
4,793
Current income taxes
3,548
6,005
Asset valuation
                    reserve
12,862
10,141
Other liabilities
5,235
5,025
Liabilities,

                    exclusive of separate account liabilities
513,141
461,246
Separate account
                    liabilities
4,347,526
4,447,304
Total
                    liabilities
4,860,667
4,908,550
Capital and surplus:
Common
                    stock, $10 par value. Authorized, issued, and outstanding 200,000 shares at December 31, 2022 and 2021
2,000
2,000
Additional

                    paid-in capital
102,500
72,500
Unassigned

                    surplus
67,064
88,510
Total
                    capital and surplus
171,564
163,010
Total
                    liabilities and capital and surplus
$
5,032,231
5,071,560
See accompanying
                    notes to statutory financial statements.
4 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Statutory Statements of Operations
Years ended December 31, 2022, 2021, and 2020
(Dollars in thousands)
2022
2021
2020
Income:
Premiums
                    and annuity considerations
$
656,597
688,560
428,499
Consideration

                    for supplementary contracts
2,242
1,042
3,445
Net
                    investment income
18,100
16,177
18,028
Commissions

                    and expense allowances on reinsurance ceded
1,146
578
291
Fees
                    from separate accounts
58,894
66,792
66,045
Total
                    income
736,979
773,149
516,308
Benefits and other
                    expenses:
Policyholder

                    benefits
43,865
40,707
34,640
Surrenders
230,201
240,826
209,892
Change
                    in aggregate reserves and deposit funds
76,056
(17,165)
1,842
Commissions

                    and other agent compensation
46,104
47,602
31,709
General
                    and administrative expenses
36,832
30,752
25,166
Net
                    transfers to separate accounts
351,286
358,538
186,015
Total
                    benefits and other expenses
784,344
701,260
489,264
Income from operations before income taxes and net realized capital gain
(47,365)
71,889
27,044
Income tax expense
3,586
6,319
1,280
Net (loss) income from operations before net realized capital gain
(50,951)
65,570
25,764
Net realized capital gain (loss), net of taxes and interest maintenance reserve
22,638
(59,957)
(41,220)
Net
                    (loss) income
$
(28,313)
5,613
(15,456)
See accompanying
                    notes to statutory financial statements.
5 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Statutory Statements of Capital and Surplus
Years ended December 31, 2022, 2021, and 2020
(Dollars in thousands)
2022
2021
2020
Capital
                    and surplus at beginning of year
$
163,010
155,969
171,336
Net
                    (loss) income
(28,313)
5,613
(15,456)
Change
                    in unrealized capital gain (loss)
4,843
1,534
(1,845)
Change
                    in net deferred income tax
8,856
3,807
5,397
Change
                    in nonadmitted assets
(4,124)
(1,308)
(1,698)
Capital
                    contribution from parent
30,000
—
—
Other
                    changes in capital and surplus
(2,708)
(2,605)
(1,765)
Capital
                    and surplus at end of year
$
171,564
163,010
155,969
See accompanying
                    notes to statutory financial statements.
6 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Statutory Statements of Cash Flow
Years ended December 31, 2022, 2021, and 2020
(Dollars in thousands)
2022
2021
2020
Cash flows from
                    operating activities:
Revenues:
Premiums
                    and annuity considerations, net
$
658,838
689,603
432,042
Net
                    investment income
20,141
19,340
21,039
Other
                    income
60,035
67,367
66,336
Total cash
                    provided by operating activities
739,014
776,310
519,417
Benefits
                    and expenses paid:
Benefit
                    and loss-related payments
272,409
279,458
242,416
Commissions,

                    expenses paid, and aggregate write-ins for deductions
82,323
78,441
56,583
Net
                    transfers to separate accounts
377,329
337,054
189,376
Income
                    tax paid (benefit received), net
6,004
2,310
(7,436)
Total cash
                    used in operating activities
738,065
697,263
480,939
Net cash
                    provided by operating activities
949
79,047
38,478
Cash flows from
                    investing activities:
Proceeds
                    from investments sold, matured, or repaid:
Bonds
97,922
82,882
152,052
Derivatives
29,969
—
—
Miscellaneous

                    proceeds
—
36
374
Total cash
                    provided by investing activities
127,891
82,918
152,426
Cost of
                    investments acquired:
Bonds
166,219
91,367
171,141
Derivatives
—
58,296
42,397
Miscellaneous

                    applications
1,284
574
—
Total cash
                    used in investing activities
167,503
150,237
213,538
Net cash
                    used in investing activities
(39,612)
(67,319)
(61,112)
Cash flows from
                    financing and miscellaneous activities:
Capital
                    Contribution
30,000
—
—
Change
                    in payable to parent and affiliates
383
891
518
Other
1,242
(209)
(2,260)
Net cash
                    provided by (used in) financing and miscellaneous activities
31,625
682
(1,742)
Net (decrease) increase in cash and cash equivalents
(7,038)
12,410
(24,376)
Cash and cash
                    equivalents:
Beginning

                    of year
29,047
16,637
41,013
End of
                    year
$
22,009
29,047
16,637
See accompanying
                    notes to statutory financial statements.
7 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
(1)
Organization and Nature of Operations
Allianz Life Insurance Company of New York (the
            Company) is a wholly-owned subsidiary of Allianz Life Insurance Company of North America (Allianz Life), which is a wholly-owned subsidiary of Allianz of America, Inc. (AZOA). AZOA is a wholly-owned subsidiary of Allianz Europe, B.V., which is
            a wholly-owned subsidiary of Allianz SE. Allianz SE is a European company registered in Munich, Germany, and is the Company's ultimate parent.
The Company is a life insurance company licensed to
            sell annuity, group and individual life, group and individual accident and health policies in six states and the District of Columbia. Based on statutory net premium written, the Company's business is predominately annuity. The annuity business
            consists of variable-indexed annuities and closed blocks of variable, fixed and fixed-indexed annuities. The life business includes term life policies and closed blocks of universal life policies. Accident and health business is primarily
            comprised of closed blocks of long-term care (LTC) insurance. The Company's primary distribution channel is through broker-dealers.
After evaluating the Company's ability to continue as a
            going concern, management is not aware of any conditions or events which raise substantial doubt concerning the Company's ability to continue as a going concern as of the date of filing these Statutory Financial Statements.
(2)    Summary of Significant Accounting Policies
(a)
Basis of Presentation
The Statutory Financial Statements have been prepared
            in accordance with accounting practices prescribed or permitted by the New York State Department of Financial Services (the Department). The Department recognizes statutory accounting practices prescribed or permitted by the state of New York
            for determining and reporting the financial condition and results of operations of an insurance company and its solvency under New York insurance law. The state of New York has adopted the National Association of Insurance Commissioners (NAIC)
Accounting Practices and Procedures Manual
as its prescribed basis of statutory accounting principles (SAP). The state of New York has also adopted certain prescribed accounting practices that differ from those found in NAIC SAP.
            The Company has no material statutory accounting practices that differ from those of the Department or NAIC SAP. These practices differ in some respects from accounting principles generally accepted in the United States of America (U.S. GAAP).
            The effects of these differences, while not quantified, are presumed to be material to the Statutory Financial Statements. The more significant of these differences are as follows:
(1)    Acquisition costs, such as
            commissions and other costs incurred in connection with acquiring new and renewal business, are charged to current operations as incurred. Under U.S. GAAP, acquisition costs that are directly related to the successful acquisition of insurance
            contracts are capitalized and charged to operations as the corresponding revenues or future profits are recognized.
(2)    Aggregate reserves for life
            policies and annuity contracts, excluding variable annuities, are based on statutory mortality and interest assumptions without consideration for lapses or withdrawals. Under U.S. GAAP, aggregate reserves consider lapses and withdrawals.
(3)    Ceded reinsurance recoverable
            are netted against their related reserves within Policyholder liabilities, Life policies and annuity contracts and Life policy and contract claims, on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. Under U.S.
            GAAP, these ceded reserves are presented on a gross basis as an asset.
(4)    Bonds are carried at values
            prescribed by the NAIC, generally amortized cost, except for those with an NAIC rating of 6, which are reported at the lower of amortized cost or fair value. Under U.S. GAAP, bonds classified as "available-for-sale" are carried at fair value,
            with unrealized gains and losses recorded in stockholder's equity.
(5)    Changes in deferred income
            taxes are recorded directly to Unassigned surplus. Under U.S. GAAP, these items are generally recorded as an item of income tax benefit or expense in operations. Moreover, under NAIC SAP, a valuation allowance may be recorded against the
            deferred tax asset (DTA) and admittance
8 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
testing may result in an additional charge to capital
            and surplus for nonadmitted portions of DTAs. Under U.S. GAAP, a valuation allowance may be recorded against the DTA and reflected as an expense.
(6)    The Company is required to
            establish an asset valuation reserve (AVR) liability and an interest maintenance reserve (IMR) liability. The AVR provides for a standardized statutory investment valuation reserve for certain invested assets. Changes in this reserve are
            recorded as direct charges or credits to Unassigned surplus. The IMR is designed to defer net realized capital gains and losses, net of tax, resulting from changes in the level of prevailing market interest rates and amortize them into income
            within the Statutory Statements of Operations over the remaining life of the investment sold. The IMR represents the unamortized portion of applicable investment gains and losses as of the balance sheet date. There is no such concept under U.S.
            GAAP.
(7)    Certain assets designated as
            "nonadmitted assets" are not recognized and are charged directly to Unassigned surplus within the Statutory Statements of Capital and Surplus. These include, but are not limited to, furniture and fixtures, prepaid expenses, receivables
            outstanding greater than 90 days, negative IMR, and portions of DTAs. There is no such concept under U.S. GAAP.
(8)    A provision is made for
            amounts ceded to unauthorized reinsurers in excess of collateral in the form of a trust or letter of credit through a direct charge to Unassigned surplus within the Statutory Statements of Capital and Surplus. There is no such requirement under
            U.S. GAAP.
(9)    Revenues for universal life
            policies and annuity contracts, excluding deposit-type contracts, are recognized as revenue when received within the Statutory Statements of Operations. Under U.S. GAAP, policy and contract fees charged for the cost of insurance, policy
            administrative charges, amortization of policy initiation fees, and surrender contract charges are recorded as revenues when earned.
(10)    Benefits for universal life
            policies and annuity contracts within the Statutory Statements of Operations, excluding deposit-type contracts, consist of payments made to policyholders. Under U.S. GAAP, benefits represent interest credited, and claims and benefits incurred
            in excess of the policyholder's contract balance.
(11)    Changes in the fair value of
            derivatives are recorded as direct adjustments to Unassigned surplus as a component of Change in unrealized capital gains (losses) within the Statutory Statements of Capital and Surplus. Under U.S. GAAP, changes in the fair value of derivatives
            are recorded in derivative income (loss) as part of operating income.
(12)    Commissions allowed by
            reinsurers on business ceded are reported as income when received within the Statutory Statements of Operations. Under U.S. GAAP, such commissions are deferred and amortized as a component of deferred acquisition costs to the extent
            recoverable.
(13)    The Statutory Financial
            Statements do not include a statement of comprehensive income as required under U.S. GAAP.
(14)    The Statutory Statements of
            Cash Flow do not classify cash flows consistent with U.S. GAAP and a reconciliation of net income to net cash provided from operating activities is not provided.
(15)    The calculation of reserves
            and transfers in the separate account statement requires the use of a Commissioners Annuity Reserve Valuation Method (CARVM) allowance on annuities for NAIC SAP. There is no such requirement under U.S. GAAP.
(16)    Sales inducements and premium
            bonuses are included in Life policies and annuity contracts in the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus, and are charged to current operations as incurred. Under U.S. GAAP, deferred sales inducements and
            premium bonuses are similarly reserved; however, the costs are capitalized as assets and charged to operations as future profits are recognized in a manner similar to acquisition costs.
9 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
(17)    Negative cash balances are
            presented as a negative asset within the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. These balances are presented as a liability under U.S. GAAP.
(18)    Embedded derivatives are not
            separated from the host contract and accounted for separately as a derivative instrument. Under U.S. GAAP, entities must separate the embedded derivative from the host contracts and separately account for those embedded derivatives at fair
            value.
(19)    For variable-indexed
            annuities, the Department requires the Company to maintain a separate asset portfolio to back related reserves. These assets and liabilities are required to be included as part of the Separate account assets and Separate account liabilities
            presented on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. Under U.S. GAAP, there is no such requirement.
(b)    Permitted and Prescribed
            Statutory Accounting Practices
The Company is required to file annual statements with
            insurance regulatory authorities, which are prepared on an accounting basis permitted or prescribed by such authorities. Prescribed statutory accounting practices include state laws, regulations, and general administrative rules, as well as a
            variety of publications of the NAIC. Permitted statutory accounting practices encompass all accounting practices that are not prescribed; such practices differ from state to state, may differ from company to company within a state, and may
            change in the future. The Company has no permitted or prescribed practices that differ from NAIC SAP that had an impact on net income or surplus as of December 31, 2022, 2021, and 2020.
(c)    Use of Estimates
The preparation of Statutory Financial Statements in
            conformity with NAIC SAP requires management to make certain estimates and assumptions that affect reported amounts of admitted assets and liabilities, including reporting or disclosure of contingent assets and liabilities as of December 31,
            2022 and 2021, and the reported amounts of revenues and expenses during the reporting period. Future events, including changes in mortality, morbidity, interest rates, capital markets, and asset valuations could cause actual results to differ
            from the estimates used within the Statutory Financial Statements. Such changes in estimates are recorded in the period they are determined.
(d)    Premiums and Annuity Considerations
Life premiums are recognized as income over the premium
            paying period of the related policies. Nondeposit-type annuity considerations are recognized as revenue when received. Accident and health premiums are earned ratably over the terms of the related insurance and reinsurance contracts or
            policies.
(e)    Aggregate Reserves for Life Policies and
            Annuity Contracts
Reserves are principally calculated as the minimum
            reserves permitted by the state where the contract is issued for the year in which the contract is issued.
For the Company's fixed annuity product lines, reserves
            are calculated using CARVM. The Company uses both issue year for fixed-indexed and change in fund basis for deferred fixed-interest annuities for the calculation method, on a continuous basis, using the maximum allowable interest rate. Deferred
            fixed-indexed and fixed-interest annuities only have a single-tier structure, which may include bonuses.
For the Company's variable and variable-indexed annuity
            product lines, reserves are calculated using NY Regulation 213, for guaranteed benefits with adequacy confirmed using stochastic scenario testing. Variable deferred annuities include a wide range of guaranteed minimum death benefits and living
            benefits (income, accumulation, and withdrawal).
Aggregate reserves for life insurance policies are
            principally calculated using the Commissioners Reserve Valuation Method (CRVM) or VM-20,
Requirements for
            Principle-Based Reserves for Life Products
, depending on the policy's issue date. Additional reserves are held for supplemental
            benefits and for contracts with secondary guarantees, consistent with prescribed regulations and actuarial guidelines.
10 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
The Company performs an annual asset adequacy analysis
            as required by regulation covering substantially all of its reserves. These tests are not only performed under the required interest rate scenarios, but also under additional stochastically generated interest and equity growth scenarios.
            Sensitivity tests, including policy lapse, annuitization, maintenance expenses, and investment return, are performed to evaluate potential insufficiencies in reserve adequacy. The results of these tests and analysis resulted in additional
            adequacy reserves recorded of $57,000 and $22,000 at December 31, 2022 and 2021, respectively. For the universal life business, the Department's Regulation 147 –
Valuation of Life Insurance Reserves
stand-alone asset adequacy
            analysis was performed, which resulted in establishing additional reserves of $100 and $100 as of December 31, 2022 and 2021, respectively.
(f)    Aggregate Reserves for
            Accident and Health Policies
For accident and health business, reserves consist of
            active life reserves (mainly reserves for unearned premiums and reserves for contingent benefits on individual LTC business) and claim reserves (the present value of amounts not yet due). Claim reserves represent incurred but unpaid claims
            under group policies. For the LTC business, the Department's Regulation 56 –
Minimum Reserves for
            Individual Accident and Health Insurance Policies
stand‑alone asset adequacy analysis was performed through a gross premium
            valuation. The testing under the "sound value" requirements resulted in recorded reserves of $36,504 and $34,536 as of December 31, 2022 and 2021, respectively.
(g)    Deposit-type Contracts
Deposit-type contracts represent liabilities to
            policyholders in a payout status, who have chosen a fixed payout option without life contingencies. The premiums and claims related to deposit-type contracts are not reflected in the Statutory Statements of Operations as they do not have
            insurance risk. The Company accounts for the contract as a deposit-type contract in the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.
(h)
Policy and Contract Claims
Policy and contract claims include the liability for
            claims reported but not yet paid, claims incurred but not yet reported (IBNR), and claim settlement expenses on the Company's accident and health business. Actuarial reserve development methods are generally used in the determination of IBNR
            liabilities. In cases of limited experience or lack of credible claims data, loss ratios are used to determine an appropriate IBNR liability. Claim and IBNR liabilities of a short-term nature are not discounted, but those claim liabilities
            resulting from disability income or LTC benefits include interest and mortality discounting.
(i)    Reinsurance
The Company cedes business to other insurers.
            Reinsurance premium and benefits paid or provided are accounted for in a manner consistent with the basis used in accounting for original policies issued and the terms of the reinsurance contracts. Amounts recoverable from reinsurers represent
            account balances and unpaid claims covered under reinsurance contracts. Amounts paid or deemed to have been paid for claims covered by reinsurance contracts are recorded as a reinsurance recoverable and are included in Other assets on the
            Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.
(j)    Investments
Investment values are determined in accordance with
            methods prescribed by the NAIC.
Bonds
The Securities Valuation Office (SVO) of the NAIC
            evaluates the credit quality of the Company's bond investments. Bonds rated at "1" (highest quality), "2" (high quality), "3" (medium quality), "4" (low quality), or "5" (lower quality) are reported at cost adjusted for the amortization of
            premiums, accretion of discounts, and any impairment. Bonds rated at "6" (lowest quality) are carried at the lower of amortized cost or fair value with any adjustments to fair value recorded to Unassigned surplus within the Statutory Statements
            of Capital and Surplus.
11 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
In accordance with its investment policy, the Company
            invests primarily in high-grade marketable securities. Dividends are accrued on the date declared and interest is accrued as earned. Premiums or discounts on bonds are amortized using the constant-yield method.
Loan-backed securities and structured securities are
            amortized using anticipated prepayments, in addition to other less significant factors. Prepayment assumptions for loan-backed and structured securities are obtained from various external sources or internal estimates. The Company believes
            these assumptions are consistent with those a market participant would use. The Company recognizes income using the modified scientific method based on prepayment assumptions and the estimated economic life of the securities. For structured
            securities, except impaired bonds, when actual prepayments differ significantly from anticipated prepayments, the effective yield is recalculated to reflect actual payments to date and anticipated future payments retrospectively. Any resulting
            adjustment is included in Net investment income on the Statutory Statements of Operations. For impaired bonds, when adjustments are made for anticipated prepayments and other expected changes in future cash flows, the effective yield is
            recalculated using the prospective method as required by Statement of Statutory Accounting Principles (SSAP) No. 43R –
Loan Backed and Structured Securities
(SSAP No. 43R).
Hybrid securities are investments structured to have
            characteristics of both stocks and bonds. The Company records these securities within Bonds on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.
Gross realized gains and losses are computed based on
            the average amortized cost of all lots held for a particular CUSIP.
The fair value of bonds is obtained from third-party
            pricing sources whenever possible. Management completes its own independent price verification (IPV) process, which ensures security pricing is obtained from a third-party source other than the sources used by the Company's internal and
            external investment managers. The IPV process supports the reasonableness of price overrides and challenges by the internal and external investment managers and reviews pricing for appropriateness. Results of the IPV process are reviewed by the
            Company's Pricing Committee.
Allianz Life reviews its entire combined investment
            portfolio, including the investment portfolios of the Company and all other subsidiaries, in aggregate each quarter to determine if declines in fair value are other than temporary.
For bonds for which the fair value is less than
            amortized cost, the Company evaluates whether a credit loss exists by considering primarily the following factors: (a) the length of time and extent to which the fair value has been less than the amortized cost of the security; (b) changes in
            the financial condition, credit rating, and near-term prospects of the issuer; (c) whether the issuer is current on contractually obligated interest and principal payments; (d) changes in the financial condition of the security's underlying
            collateral, if any; and (e) the payment structure of the security. For loan-backed securities, the Company must allocate other-than-temporary impairments (OTTI) between interest and noninterest-related declines in fair value. Interest-related
            impairments are considered other than temporary when the Company has the intent to sell the investment prior to recovery of the cost of the investment. The Company maintains a prohibited disposal list that restricts the ability of the
            investment managers to sell securities in a significant unrealized loss position and requires formal attestations from investment managers regarding their lack of intent to sell certain securities.
Impairments considered to be other-than-temporary are
            recorded as a reduction of the cost of the security, and a corresponding realized loss is recognized on the Statutory Statements of Operations in the period in which the impairment is determined. Recognition of the realized loss is subject to
            potential offset by AVR and IMR.
Cash and Cash Equivalents
Cash and cash equivalents may include cash on hand,
            demand deposits, money market funds, and highly liquid debt instruments purchased with an original maturity of three months or less. Due to the short-term nature of these investments, the carrying value is deemed to approximate fair value.
12 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
Policy Loans
Policy loans are supported by the underlying cash value
            of the policies. Policy loans are carried at unpaid principal balances plus accrued interest income on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The unpaid principal balances are not in excess of the
            cash surrender values of the related policies.
Receivables for Securities
Receivables and payables for securities are carried at
            fair value on the trade date and represent a timing difference on securities that are traded at the balance sheet date but not settled until subsequent to the balance sheet date. Receivables and payables for securities are included in
            Receivables for securities and Other liabilities, respectively, on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.
(k)    Derivatives
The Company utilizes derivatives within certain
            actively managed investment portfolios for hedging purposes.
Futures and Options Contracts
The Company provides benefits through certain annuity
            products which are linked to the fluctuation of various market indices, and certain variable annuity contracts that provide minimum guaranteed benefits. The Company has analyzed the characteristics of these benefits and has entered into
            over-the-counter (OTC) option contracts and exchange-traded futures contracts tied to an underlying index with similar characteristics with the objective to economically hedge these benefits. Management monitors in-force amounts as well as
            option and futures contract values to ensure satisfactory matching and to identify unsatisfactory mismatches. If actual persistency deviated, management would purchase or sell option and futures contracts as deemed appropriate or take other
            actions.
The OTC option contracts are reported at fair value in
            Derivative assets and Derivative liabilities on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The fair value of the OTC options is derived internally and deemed by management to be reasonable via performing
            an IPV process. The process of deriving internal derivative prices requires the Company to calibrate Monte Carlo scenarios to actual market information. The calibrated scenarios are applied to derivative cash flow models to calculate fair value
            prices for the derivatives. Incremental gains and losses from expiring options are included in Net realized capital gain (loss) on the Statutory Statements of Operations. The liability for the related policyholder benefits is reported in Life
            policies and annuity contracts on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The unrealized gain or loss on open OTC option contracts is recognized as a direct adjustment to Unassigned surplus within the
            Statutory Statements of Capital and Surplus. Any unrealized gains or losses on open OTC option contracts are recognized as realized when the contracts mature (see Note 5 for further discussion).
Futures contracts do not require an initial cash
            outlay, and the Company has agreed to daily net settlement based on movements of the representative index. Therefore, no asset or liability is recorded as of the end of the reporting period. A derivative asset or liability and an offsetting
            variation margin payable or receivable is recorded in Derivative assets or Derivative liabilities in the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus for the outstanding unpaid variation margin representing
            market movements on the last trading day of the year.
Gains and losses are not considered realized until the
            termination or expiration of the futures contract. Unrealized gains and losses on futures contracts are reflected in the Statutory Statements of Capital and Surplus in Unassigned surplus, within Change in unrealized capital gains (loss).
            Realized gains and losses on futures contracts are included in the Statutory Statements of Operations, Net realized capital gain (loss), net of taxes and interest maintenance reserve.
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ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
Total Return Swaps
The Company utilizes total return swaps (TRS) also to
            economically hedge market risks embedded in certain annuities. TRS contracts are reported at fair value in Derivative assets or Derivative liabilities on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The
            fair value of the TRS is based on counterparty pricing and deemed by management to be reasonable. Changes in unrealized gains and losses on the swaps are recorded as a direct adjustment to Unassigned surplus within the Statutory Statements of
            Capital and Surplus.
(l)    Income Taxes
The Company files a consolidated federal income tax
            return with AZOA. The consolidated tax allocation agreement stipulates that each company participating in the return will bear its share of the tax liability pursuant to certain tax allocation elections under the Internal Revenue Code (IRC) and
            its related regulations and reimbursement will be in accordance with an intercompany tax reimbursement arrangement. The Company generally will be paid for the tax benefit of any of their tax attributes used by any member of the consolidated
            group.
The Company provides for federal income taxes based on
            amounts the Company believes it ultimately will owe. Inherent in the provision for federal income taxes are estimates regarding the deductibility of certain items and the realization of certain tax credits. In the event the ultimate
            deductibility of certain items or the realization of certain tax credits differs from estimates, the Company may be required to significantly change the provision for federal income taxes recorded in the Statutory Statements of Admitted Assets,
            Liabilities, and Capital and Surplus. Any such change could significantly affect the amounts reported in the Statutory Statements of Operations. Management uses best estimates to establish reserves based on current facts and circumstances
            regarding tax exposure items where the ultimate deductibility is open to interpretation. Quarterly, management evaluates the appropriateness of such reserves based on any new developments specific to their fact patterns. Information considered
            includes results of completed tax examinations, Technical Advice Memorandums, and other rulings issued by the Internal Revenue Service or the tax courts.
The Company utilizes the asset and liability method of
            accounting for income taxes. DTAs and deferred tax liabilities (DTLs), net of the nonadmitted portion are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets
            and liabilities and their respective tax bases. Gross DTAs and DTLs are measured using enacted tax rates and are considered for admitted tax asset status according to the admissibility test as set forth by the state of New York. Changes in DTAs
            and DTLs, including changes attributable to changes in tax rates, are recognized as a component of Unassigned surplus on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.
(m)    Separate Accounts
Separate account assets and liabilities are primarily
            funds held for the exclusive benefit of variable and variable-indexed annuity contract holders. Separate account assets are reported at fair value in accordance with SSAP No. 56 –
Separate Accounts
(SSAP No. 56), with the
            exception of certain bonds, cash, cash equivalents, and investment income due and accrued. Certain assets that are allocated to the index options for the Allianz Index Advantage New York Variable Annuity (VIA), as listed above, are carried at
            amortized cost in accordance with the product filing requirements in the state of New York.
Amounts due from separate accounts primarily represent
            the difference between the surrender value of the contracts and the Separate account liability as disclosed on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. This receivable represents the surrender fee that
            would be paid to the Company upon the surrender of the policy or contract by the policyholder or contract holder as of December 31. Amounts charged to the contract holders for mortality and contract maintenance, and other administrative
            services fees are included in income within Fees from separate accounts on the Statutory Statements of Operations. These fees have been earned and assessed against contract holders on a daily or monthly basis throughout the contract period and
            are recognized as revenue when assessed and earned. Transfers to separate accounts within the Statutory Statements of Operations primarily includes transfers for
14 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
new premium and annuity considerations, benefit
            payments, surrender charge wear-off, realized and unrealized investment gains/losses, investment income, and other contractholder behavior.
(n)
Receivables
Receivable balances approximate estimated fair values.
            This is based on pertinent information available to management as of year-end, including the financial condition and creditworthiness of the parties underlying the receivables. Any balances outstanding more than 90 days are nonadmitted on the
            Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.
(o)    Reclassifications
Prior year balances have not been reclassified to
            conform to the current year presentation.
(3)
Accounting Changes and Corrections of Errors
Accounting Changes
Recently Issued Accounting Standards – Adopted
in
2022
Not applicable.
Recently Issued Accounting
            Standards – Adopted in 2021
In 2021, the NAIC extended the following
            interpretations (INT) in response to the COVID-19 pandemic:
•
INT 20-03, Troubled Debt Restructuring due to COVID-19. This INT followed the interagency COVID-19 guidance issued by federal and state
            prudential banking regulators (and concurred by the FASB) and the Coronavirus Aid, Relief, and Economic Security (CARES) Act. Specifically, a modification of a mortgage loan or bank loan terms did not result in troubled debt restructurings as
            long as the modification was in response to COVID-19, the borrower was current at the time of the modification, and the modification was short-term. In addition, insurers were not required to designate mortgage loans or bank loans with
            deferrals granted due to COVID-19 as past due or report them as nonaccrual loans. This INT was effective for the period beginning March 1, 2020 and originally expired on December 31, 2020. In January 2021, the provisions in this INT were
            extended updating the effective period to be the earlier of January 1, 2022 or the date that is 60 days after the date on which the national emergency declared by the President terminates. This INT did not impact the Company.
•
INT 20-07, Troubled Debt Restructuring of Certain Debt Investments Due to COVID-19. This INT provided temporary guidance by allowing
            practical expedients when assessing whether modifications made to debt securities (under SSAP 26R and 43R) due to COVID-19 are insignificant. Specifically, the guidance proposed restructurings in response to COVID-19 are considered to be
            insignificant if the restructuring resulted in a 10% or less shortfall amount in the contractual amount due and did not extend the maturity of the investment by more than 3 years. This INT was effective for the period beginning March 1, 2020
            and originally expired on December 31, 2020. In January 2021, the provisions in this INT were extended updating the effective period to be the earlier of January 1, 2022 or the date that is 60 days after the date on which the national emergency
            declared by the President terminates. This INT did not impact the Company.
In 2016, the NAIC adopted revisions to SSAP No. 51R,
            Life Contracts and SSAP No. 54, Individual and Group Accident and Health Contracts, Issue Paper No. 154, Implementation of Principles-Based Reserving. These revisions relate to the adoption of the Valuation Manual and provides for principles
            based reserving for Life and Heath contracts. The Valuation Manual is part of the Department Regulation 213. Final adoption of the First Amendment to Regulation 213 was published February 2020 and provides the following revisions: 1) VM-20,
            Requirements for Principle-Based Reserves for Life Products, is effective January 1, 2020. However, an insurer could request a one-year delay in adopting this standard. The Company adopted Regulation 213 for life products as of January 1, 2021
            for new business issued January 1, 2021 and later, in accordance with its agreement with the Department. The adoption resulted in an immaterial impact. 2) VM-21, Requirements for Principle-Based Reserves for Variable
15 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
Annuities was adopted in 2020. 3) VM-22, Statutory
            Maximum Valuation Interest Rates for Income Annuities, VM-25, Health Insurance Reserves Minimum Requirements, and VM-26, Credit Life and Disability Reserve Requirements, are not applicable as the Company does not issue these contracts.
Recently Issued Accounting
            Standards – Adopted in 2020
In 2019, the NAIC adopted revisions to both Actuarial
            Guideline 43 and VM-21, effective January 1, 2020. The implementation of the Regulation 213 revisions as of January 1, 2020 resulted in no change in reserves. The portion of the Standard reserve that was impacted with the implementation of
            Regulation 213 did not exceed the offsetting hedge component within the calculation after the changes, resulting in no impact to the reported reserve. The 2019 amendments to VM-21 allow an optional phase-in of the increase which the Company did
            not elect. 3) VM-22, Statutory Maximum Valuation Interest Rates for Income Annuities, VM-25, Health Insurance Reserves Minimum Requirements, and VM-26, Credit Life and Disability Reserve Requirements, are not applicable as the Company does not
            issue these contracts.
In August 2019, the NAIC adopted SSAP No. 22R, Leases.
            This revised standard is a substantive revision, reorganization, and clarification of SSAP 22. It adopts much of the language of US GAAP Accounting Standards Update (ASU) 2016-02, Leases, but retains operating lease accounting for Statutory
            accounting. It was effective January 1, 2020, with early adoption permitted. The Company adopted these revisions effective January 1, 2020. There was no impact on net income or surplus during the year ended December 31, 2020, as a result of
            adopting the revisions.
In March 2020, the NAIC adopted INT 20-01, Reference
            Rate Reform. The interpretation adopted the optional guidance outlined in ASU 2020-04, Reference Rate Reform, for a limited period of time to ease the potential burden on accounting for reference rate reform. The practical expedients outlined
            in the interpretation are for modifications solely related to reference rate reform and optionally suspends assessments for re-measuring a contract and de-designating a hedge relationship. This interpretation is effective on the date of
            adoption and expires on December 31, 2022. The Company adopted the optional guidance in this interpretation effective March 12, 2020. As of December 31, 2020, the Company has not made any modifications to financial assets or liabilities as a
            result of reference rate reform.
In April, May, June, and August 2020, the NAIC adopted
            and extended, the following interpretations (INT) in response to the COVID-19 pandemic:
•
INT 2020-02, Extension of 90-Day Rule for the Impact of COVID-19. This INT extends a one-time optional extension of the nonadmission
            assessment guidance for premiums and similar receivables due from policyholders or agents. For receivables that were current prior to the beginning of the declaration of a state of emergency by the U.S. federal government on March 13, 2020 or
            originated on or after March 13, 2020, insurers may continue to admit assets greater than 90 days past due. This INT is applicable for the March 31, 2020, June 30, 2020, and September 30, 2020 financial statements and expired on December 30,
            2020. This INT did not have a material impact to the Company.
•
INT 2020-03, Troubled Debt Restructuring Due to COVID-19. This INT follows the interagency COVID-19 guidance issued by federal and state
            prudential banking regulators (and concurred by the FASB) and the Coronavirus Aid, Relief, and Economic Security (CARES) Act. Specifically, a modification of a mortgage loan or bank loan terms do not result in troubled debt restructurings as
            long as the modification is in response to COVID-19, the borrower was current at the time of the modification, and the modification is short-term. In addition, insurers are not required to designate mortgage loans or bank loans with deferrals
            granted due to COVID-19 as past due or report them as nonaccrual loans. This INT was effective for the period beginning March 1, 2020 and originally expired on December 31, 2020. In January 2021, the provisions in this INT were extended
            updating the effective period to be the earlier of January 1, 2022 or the date that is 60 days after the date on which the national emergency declared by the President terminates. This INT did not have a material impact to the Company.
•
INT 2020-04, Mortgage Loan Impairment Assessment Due to COVID-19. This INT defers the impairment assessment for bank loans, mortgage loans,
            and investments which predominantly hold underlying
16 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
mortgage loans and are impacted by forbearance or
            modifications in response to COVID-19. This INT is applicable for the March 31, 2020, June 30, 2020, and September 30, 2020 financial statements and expired on December 30, 2020. This INT did not have a material impact to the Company.
•
INT 2020-05, Investment Income Due and Accrued. This INT provides temporary relief guidance for assessing the collectability of interest
            income, admissibility relief of accrued investment income 90 days past due, and clarifies how interest income should be recognized during a payment holiday. This INT is applicable for the June 30, 2020, and September 30, 2020 financial
            statements and expired on December 30, 2020. This INT did not have did not have a material impact to the Company.
•
INT 2020-06, Participation in the 2020 TALF Program. This INT provides guidance for reporting Term Asset-Backed Securities Lending Facility
            (TALF) loans for the duration of the 2020 TALF program. This INT did not impact the Company as the Company did not participate in this program.
•
INT 2020-07, Troubled Debt Restructuring of Certain Debt Investments Due to COVID-19. This INT provides temporary guidance by allowing
            practical expedients when assessing whether modifications made to debt securities (under SSAP No. 26R and SSAP No. 43R) due to COVID-19 are insignificant. Specifically, the guidance proposes restructurings in response to COVID-19 are considered
            to be insignificant if the restructuring results in a 10% or less shortfall amount in the contractual amount due and does not extend the maturity of the investment by more than 3 years. This INT was effective for the period beginning March 1,
            2020 and originally expired on December 31, 2020. In January 2021, the provisions in this INT were extended updating the effective period to be the earlier of January 1, 2022 or the date that is 60 days after the date on which the national
            emergency declared by the President terminates. This INT did not have a material impact to the Company.
•
INT 2020-08, COVID-19 Premium Refunds, Rate Reductions and Policyholder Dividends. This INT provides guidance for returns or benefits to
            policyholders. This INT did not impact the Company.
These INTs have an immaterial effect on the financial
            statements as of December 31, 2020. The Company will continue to monitor these INTs and assess impacts until they are nullified.
In May 2020, the NAIC adopted revisions to SSAP No.
            26R, Bonds, which provides clarifying guidance when assessing other than temporary impairments (OTTI) for debt instruments that have been previously modified pursuant to SSAP No. 36, Troubled Debt Restructuring, or SSAP No. 103R, Transfers and
            Servicing of Financial Assets and Extinguishments of Liabilities. The revisions to SSAP No. 26R state subsequent OTTI assessments for debt instruments modified under SSAP No. 36 or SSAP No 103 will be based on the modified contractual terms and
            not revert back to the original acquisition terms. These revisions were effective May 20, 2020 and were subsequently adopted by the Company. There was no impact on net income or surplus during the year ended December 31, 2020, as a result of
            adopting the revisions.
In November 2020, the NAIC adopted revisions to SSAP
            No. 43R, Loan-Backed and Structured Securities. The revisions reflect the updated NAIC designation category for residential and commercial mortgage-backed securities that utilize the financial modeling guidance. The revisions were effective
            November 12, 2020 and was subsequently adopted by the Company. There was no impact on net income or surplus during the year ended December 31, 2020, as a result of adopting the revisions
Recently Issued Accounting
            Standards – To Be Adopted
Not applicable
Corrections of Errors
The Company records corrections of errors in accordance
            with SSAP No. 3 –
Accounting Changes and Correction of Errors
(SSAP No. 3). SSAP No. 3 prescribes that the correction of errors in previously issued Statutory Financial Statements will be reported as an adjustment to capital
            and surplus in the period the error is detected. These errors are shown within correction of errors, net of tax, on the Statutory Statements of Capital and Surplus.
17 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
During the years ended December 31, 2022, 2021, and
            2020 there were no corrections of errors recorded on the Statutory Statements of Capital and Surplus.
(4)    Risk Disclosures
The following is a description of the significant risks
            facing the Company and how it attempts to mitigate those risks:
(a)    Credit Risk
Credit risk is the risk that issuers of fixed-income
            securities, or other parties with whom the Company has transactions, such as reinsurers and derivative counterparties, default on their contractual obligations, resulting in unexpected credit losses.
The Company mitigates this risk by adhering to
            investment policies and limits that provide portfolio diversification on an asset class, asset quality, creditor, and geographical basis, and by complying with investment limitations from applicable state insurance laws and regulations. The
            Company considers all relevant objective information available in estimating the cash flows related to structured securities. The Company actively monitors and manages exposures, and determines whether any securities are impaired. The aggregate
            credit risk is influenced by management's risk/return preferences, the economic and credit environment, and the ability to manage this risk through liability portfolio management.
For derivative counterparties, the Company mitigates
            credit risk by tracking and limiting exposure to each counterparty through limits that are reported regularly and, once breached, restricts further trades; establishing relationships with counterparties rated BBB+ and higher; and monitoring the
            credit default swaps (CDS) of each counterparty as an early warning signal to cease trading when credit default swap spreads imply severe impairment in credit quality.
The Company executes Credit Support Annexes (CSA) with
            all active and new counterparties which further limits credit risk by requiring counterparties to post collateral to a segregated account to cover any counterparty exposure. Additionally most transactions are cleared through a clearinghouse
            thereby transferring counterparty risk from the bank to the clearinghouse that tends to have stronger credit. This often leads to increased collateralization and lower counterparty risk for the Company.
(b)    Credit Concentration Risk
Credit concentration risk is the risk of increased
            exposure to significant asset defaults (of a single security issuer); economic conditions (if business is concentrated in a certain industry sector or geographic area); or adverse regulatory or court decisions (if concentrated in a single
            jurisdiction) affecting credit.
The Company's Finance Committee, responsible for
            asset/liability management (ALM) issues, recommends an investment policy to the Company's Board of Directors (BOD) and approves the strategic asset allocation and accompanying investment mandates for an asset manager with respect to asset
            class. The investment policy and accompanying investment mandates specify asset allocation among major asset classes and the degree of asset manager flexibility for each asset class. The investment policy complies, at a minimum, with state
            statutes. Compliance with the policy is monitored by the Finance Committee who is responsible for implementing internal controls and procedures. Deviations from the policy are monitored and addressed. The Finance Committee and, subsequently,
            the BOD review the investment policy at least annually.
To further mitigate this risk, internal concentration
            limits based on credit rating and sector are established and are monitored regularly by Allianz Life on a consolidated basis. Any ultimate obligor group exceeding these limits is placed on a restricted list to prevent further purchases, and the
            excess exposure may be actively sold down to comply with concentration limit guidelines. Any exceptions require Chief Risk Officer approval and monitoring by the Risk Committee. Further, the Company performs a quarterly concentration risk
            calculation to ensure compliance with the State of New York basket clause.
18 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
(c)    Liquidity Risk
Liquidity risk is the risk that unexpected timing or
            amounts of cash needed will require liquidation of assets in a market that will result in a realized loss or an inability to sell certain classes of assets such that an insurer will be unable to meet its obligations and contractual guarantees.
            Liquidity risk also includes the risk that in the event of a company liquidity crisis, refinancing is only possible at higher interest rates. Liquidity risk can be affected by the maturity of liabilities, the presence of withdrawal penalties,
            the breadth of funding sources, and terms of funding sources. It can also be affected by counterparty collateral triggers as well as whether anticipated liquidity sources, such as credit agreements, are cancelable.
The Company manages liquidity within four specific
            domains: (1) monitoring product development, product management, business operations, and the investment portfolio; (2) setting ALM strategies; (3) managing the cash requirements stemming from the Company's derivative dynamic economic hedging
            activities; and (4) establishing a liquidity facility with Allianz Life to provide additional liquidity. The Company has established liquidity risk limits, which are approved by the Company's Risk Committee, and the Company monitors its
            liquidity risk regularly.
(d)    Interest Rate Risk
Interest rate risk is the risk that movements in
            interest rates or interest rate volatility will cause a decrease in the value of an insurer's assets relative to the value of its liabilities and/or an unfavorable change in prepayment activity resulting in compressed interest margins.
The Company has an ALM strategy to align cash flows and
            duration of the investment portfolio with policyholder liability cash flows and duration. Allianz Life monitors the economic and accounting impacts of interest rate sensitivities on assets and liabilities on a consolidated basis regularly and
            on the Company's specific basis periodically.
(e)    Equity Market Risk
Equity market risk is the risk that movements in equity
            prices or equity volatility will cause a decrease in the value of an insurer's assets relative to the value of its liabilities.
Variable annuity products guarantee minimum payments
            regardless of market movements. The Company has adopted an economic hedging program to manage the equity risk of these products.
Allianz Life monitors the impacts of equity
            sensitivities on assets and liabilities on a consolidated basis regularly and on the Company's specific basis periodically.
Basis risk is the risk that variable annuity hedge
            asset values change unexpectedly relative to the value of the underlying separate account funds of the variable annuity contracts. Basis risk may arise from the Company's inability to directly hedge the underlying investment options of the
            variable annuity contracts. The Company regularly reviews and synchronizes fund mappings, product design features, hedge design, and manages funds line-up.
(f)    Operational

            Risk
Operational risk is the risk of loss resulting from
            inadequate or failed internal processes and systems, from human misbehavior or error, or from external events. Operational risk is comprised of the following seven risk categories: (1) external fraud; (2) internal fraud; (3) employment
            practices and workplace safety; (4) clients/third-party, products and business practices; (5) damage to physical assets; (6) business disruption and system failure; and (7) execution, delivery, and process management. Operational risk is
            comprehensively managed through a combination of core qualitative and quantitative activities.
The Operational Risk Management framework includes the
            following key activities: (1) an Operational Risk Capital Model covering all material types of operational risks, under which the Company quantifies and regularly monitors operational risk; (2) a loss data capture policy to create transparency
            and gather information about losses that meet a designated threshold, requiring business owners to identify and resolve the root cause
19 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
of operational loss events; and (3) a bottom-up risk
            assessment process for significant operational risk scenarios to proactively manage significant operational risk scenarios throughout the organization.
(g)    Regulatory Change Risk
Regulatory change risk is the risk that regulatory
            changes and imposed regulation may materially impact the Company's business model, sales levels, company financials and ability to effectively comply with regulations.
The Company actively monitors all regulatory changes
            and participates in national and international discussions relating to legal, regulatory, and accounting changes. The Company maintains active membership with various professional and industry trade organizations. A formal process exists to
            review, analyze, and implement new legislation as it is enacted.
(h)    Rating Agency Risk
Rating agency risk is the risk that rating agencies
            change their outlook or rating of the Company. The rating agencies generally utilize proprietary capital adequacy models in the process of establishing ratings for the Company. The Company is at risk of changes in these models and the impact
            that changes in the underlying business that it is engaged in can have on such models. To mitigate this risk, the Company maintains regular communications with the rating agencies and evaluates the impact of significant transactions on such
            capital adequacy models and considers the same in the design of transactions to minimize the adverse impact of this risk. Rating agency risk is also addressed in the TRA process and on an ad hoc basis as necessary.
(i)    Mortality/Longevity Risk
Mortality/longevity risk is the risk that mortality
            experience is different than the life expectancy assumptions used by the Company to price its products.
The Company mitigates mortality risk primarily through
            reinsurance, whereby the Company cedes a significant portion of its mortality risk to third parties. The Company also manages mortality risk through the underwriting process. Both mortality and longevity risks are managed through the review of
            life expectancy assumptions and experience in conjunction with active product management.
(j)    Lapse Risk
Lapse risk is the risk that actual lapse experience
            evolves differently than the assumptions used for pricing and valuation exercises leading to a significant loss in Company value and/or income.
The Company mitigates this risk by performing
            sensitivity analysis at the time of pricing to affect product design, adding Market Value Adjustments and surrender charges when appropriate, regular ALM analysis, and exercising management levers at issue, as well as post-issue as experience
            evolves. Policyholder experience is monitored regularly.
(k)    Cyber Security Risk
Cyber security risk is the risk of losses due to
            external and/or internal attacks impacting the confidentiality, integrity, and/or availability of key systems, data, and processes reliant on digital technology. The Company has implemented preventative, detective, response, and recovery
            measures including firewalls, intrusion detection and prevention, advanced malware detection, spyware and anti-virus software, email protection, network and laptop encryption, web content filtering, web application firewalls, and regular
            scanning of all servers and network devices to identify vulnerabilities. Controls are implemented to prevent and review unauthorized access.
(l)    Reinsurance Risk
Reinsurance risk is the risk that reinsurance companies
            default on their obligation where the Company has ceded a portion of its insurance risk. The Company uses reinsurance to limit its risk exposure to certain business lines and to enable better capital management.
20 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
Reinsurance contracts do not relieve the Company from
            its obligations to policyholders. Failure of reinsurers to honor their obligations could result in losses to the Company.
The Company mitigates this risk by requiring certain
            counterparties to post collateral to cover the exposure and to meet thresholds related to the counterparty's credit rating, exposure, or other factors. For counterparties that are not initially required to post collateral, if the thresholds are
            not met by those counterparties, they are required to establish a trust or letter of credit backed by assets meeting certain quality criteria. All arrangements are regularly monitored to determine whether trusts or letters of credit are
            sufficient to support the ceded liabilities and that their terms are being met. In addition, the Company reviews the financial standings and ratings of its reinsurance counterparties and monitors concentrations of credit risk to minimize its
            exposure to significant losses from reinsurer insolvencies regularly.
(5)    Investments
(a)    Bonds and Other Assets
            Receiving Bond Treatment
At December 31, the amortized cost, gross unrealized
            gains, gross unrealized losses, and fair values of investments are shown below:
2022
Amortized cost
Gross unrealized gains
Gross unrealized losses
Fair value
Bonds:
U.S.
                    government
$
192,732
—
12,000
180,732
States
                    and political subdivisions
6,788
22
776
6,034
Corporate

                    securities
340,514
2,477
37,920
305,071
Mortgage-backed

                    securities
107,388
8
10,707
96,690
Total
$
647,422
2,507
61,403
588,527
2021
Amortized cost
Gross unrealized gains
Gross unrealized losses
Fair value
Bonds:
U.S.
                    government
$
78,869
864
1,274
78,459
States
                    and political subdivisions
6,921
975
—
7,896
Corporate

                    securities
372,767
34,113
1,954
404,926
Mortgage-backed

                    securities
121,557
4,598
954
125,201
Total
$
580,114
40,550
4,182
616,482
At December 31, 2022 and 2021, the Company did not have NAIC-6 rated
            bonds.
At December 31, 2022 and 2021, the Company did not have
            any hybrid securities.
As of December 31, 2022 and 2021, investments with an
            amortized cost of $1,651 and $1,656, respectively were held on deposit as required by statutory regulations.
21 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
The amortized cost and fair value of bonds and other
            assets receiving bond treatment reported in the statutory Annual Statement Schedule D Part 1A at December 31, 2022, by contractual maturity, are shown below:
Amortized cost
Fair value
Due in 1 year or
                    less
$
34,283
33,931
Due after 1 year
                    through 5 years
218,802
208,543
Due after 5 years
                    through 10 years
188,050
157,483
Due after 10 years
                    through 20 years
73,072
70,673
Due after 20 years
25,827
21,207
Loan-backed and
                    other structured securities
107,388
96,690
Total

                    bonds and other assets receiving bond treatment
$
647,422
588,527
Expected maturities will differ from contractual
            maturities, because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.
Proceeds from sales of bonds includes sales,
            maturities, paydowns, and other redemptions of bonds and other assets receiving bond treatment. Proceeds from sales of bonds for the years ended December 31 are shown below:
2022
2021
2020
Proceeds from sales
$
97,922
82,882
152,052
Gross gains
152
82
1,883
Gross losses
335
80
297
For the years ended December 31, 2022 and 2021, there
            were 13 and 9 CUSIPs sold, disposed, or otherwise redeemed as a result of a callable feature, respectively. The aggregate amount of investment income generated as a result of these transactions was $642 and $1,027 for 2022 and 2021,
            respectively.
The Company's bond portfolio includes mortgage-backed
            securities. Due to the high quality of these investments and the lack of subprime loans within the securities, the Company does not have a material exposure to subprime mortgages.
(b)    Unrealized Investment Losses
To determine whether or not declines in fair value are
            other than temporary, Allianz Life performs a quarterly review of its entire combined investment portfolio, including the Company as their subsidiary, using quoted market prices by third-party sources. For further discussion, see Notes 2 and 6.
Unrealized losses and the related fair value of
            investments held by the Company for the years ended December 31 are shown below:
2022
12 months or less
Greater than 12 months
Total
Fair value
Unrealized losses
Fair value
Unrealized losses
Fair value
Unrealized losses
Bonds:
U.S.
                    government
$
149,836
7,654
30,896
4,346
180,732
12,000
States
                    and political subdivisions
5,088
776
—
—
5,088
776
Corporate
                    securities
197,026
22,189
56,543
15,731
253,569
37,920
Mortgage-backed

                    securities
78,483
5,516
17,776
5,191
96,259
10,707
Total
                    temporarily impaired securities
$
430,433
36,135
105,215
25,268
535,648
61,403
22 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
2021
12 months or less
Greater than 12 months
Total
Fair value
Unrealized losses
Fair value
Unrealized losses
Fair value
Unrealized losses
Bonds:
U.S.
                    government
$
14,972
71
19,058
1,203
34,030
1,274
Corporate
                    securities
71,212
1,954
—
—
71,212
1,954
Mortgage-backed

                    securities
23,502
954
—
—
23,502
954
Total
                    temporarily impaired securities
$
109,686
2,979
19,058
1,203
128,744
4,182
As of December 31, 2022 and 2021, the number of bonds that were in an
            unrealized loss position was 225 and 45, respectively.
As of December 31, 2022 and 2021, of the total amount
            of unrealized losses, $61,245, or 99.7%, and $4,174, or 99.8%, respectively, are related to unrealized losses on investment grade securities. Investment grade is defined as a security having an NAIC SVO credit rating of 1 or 2. Unrealized
            losses on securities are principally related to changes in interest rates or changes in sector spreads from the date of purchase. As contractual payments continue to be met, management continues to expect all contractual cash flows to be
            received and does not consider these investments to be other-than-temporarily impaired.
(c)    Realized Investment Gains
            (Losses)
Net realized capital gains (losses) for the years ended
            December 31 are shown below:
2022
2021
2020
Bonds
$
(722)
2
101
Derivatives
23,057
(60,008)
(40,495)
Other
(25)
64
45
Total
                    realized capital gains (losses)
22,310
(59,942)
(40,349)
Income tax benefit
                    (expense) on net realized gains (losses)
38
(20)
(652)
Total
                    realized capital gains (losses), net of taxes
22,348
(59,962)
(41,001)
Net (losses) gains
                    transferred to IMR, net of taxes
(290)
(5)
219
Net
                    realized gains (losses), net of taxes and IMR
$
22,638
(59,957)
(41,220)
(d)    Net Investment Income
Major categories of net investment income for the years
            ended December 31 are shown below:
2022
2021
2020
Interest:
Bonds
20,464
19,345
20,529
Policy
                    loans
8
7
9
Cash,
                    cash equivalents, and short-term investments
553
2
245
Derivatives
—
(1)
(11)
Other
72
119
59
Gross
                    investment income
21,097
19,472
20,831
Investment expenses
(971)
(1,579)
(1,239)
Net
                    investment income before amortization of IMR
20,126
17,893
19,592
Amortization of IMR
(2,026)
(1,716)
(1,564)
Net
                    investment income
$
18,100
16,177
18,028
23 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
(e)    Loan-Backed Securities
SSAP No. 43R requires the bifurcation of impairment
            losses on loan-backed or structured securities into interest and noninterest-related portions. The noninterest portion is the difference between the present value of cash flows expected to be collected from the security and the amortized cost
            basis of the security. The interest portion is the difference between the present value of cash flows expected to be collected from the security and its fair value at the balance sheet date.
The Company had no loan-backed securities with a
            recognized OTTI for the years ended December 31, 2022 and 2021.
(f)    Derivatives and Hedging
            Instruments
The Company does not have derivative contracts with
            financing premium. Derivatives held by the Company do not qualify for hedge accounting treatment.
Futures and Options Contracts
OTC options are cleared through the Options Clearing
            Corporation, which operates under the jurisdiction of both the Securities and Exchange Commission (SEC) and the Commodities Futures Trading Commission. The fair values of the collateral posted for futures and OTC options are discussed in the
            derivative collateral management section below.
Total Return Swaps
The Company engages in the use of OTC TRS,
which allow the parties to exchange cash flows based on a variable reference rate such as the three-month SOFR
            and the return of an underlying index.
The fair value of the collateral posted for OTC TRS is discussed in the derivative
            collateral management section below.
The following table presents a summary of the aggregate
            notional amounts and fair values of the Company's derivative instruments reported on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus as of December 31:
2022
2021
Gross Fair Value
Gross Fair Value
Notional
(1)
Assets
Liabilities
Notional
(1)
Assets
Liabilities
OTC options
$
—
—
—
2,006
700
—
Futures
302,305
—
—
200,470
—
—
TRS
—
—
—
2,000
—
—
Total
                    derivative instruments
$
—
—
700
—
(1)
Notional amounts are presented on an absolute basis.
Derivative Collateral Management
The Company manages derivative collateral for the
            general account and separate account combined. Additionally, said derivative collateral is managed separately between exchange-traded and OTC derivatives. The total collateral posted for exchange-traded derivatives at December 31, 2022 and
            2021, had a fair value of $26,302 and $29,931, respectively, and is included in Bonds on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus and recorded at amortized cost. The Company retains ownership of the
            exchange-traded collateral, but the collateral resides in an account designated by the exchange. The collateral is subject to specific exchange rules regarding rehypothecation.
(g)
Offsetting
            Assets and Liabilities
The Company elects to disclose derivative assets and
            liabilities eligible for offset under SSAP No. 64 –
Offsetting and Netting of Assets and Liabilities
on a gross basis on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus in accordance with the provisions set
            forth in SSAP No. 86. This treatment is consistent with the Company's historical reporting presentation.
24 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
(h)
Restricted
            Assets
As of December 31, 2022, the Company had the following restricted assets,
            including assets pledged to others as collateral, recorded at book value:
Gross Restricted
Percentage
Total general account
Total separate account
Total current year
Total prior year
Increase (decrease)
Total current year
                    admitted restricted
Gross restricted to total assets
Admitted restricted to total admitted assets
On deposit with
                    states
$
1,651
—
1,651
1,656
(5)
1,651
—
%
—
%
Derivative collateral
29,549
19,345
48,894
29,429
19,465
48,894
1.0
1.0
Total
                    restricted assets
$
31,200
19,345
50,545
31,085
19,460
50,545
1.0
%
1.0
%
(6)    Fair Value Measurements
SSAP No. 100R –
Fair Value
establishes a
            fair value hierarchy that prioritizes the inputs used in the valuation techniques to measure fair value.
Level 1 –     Unadjusted quoted
            prices for identical assets or liabilities in active markets that the Company has the ability to access at the measurement date.
Level 2 –     Valuations derived
            from techniques that utilize observable inputs, other than quoted prices included in Level 1, which are observable for the asset or liability either directly or indirectly, such as:
(a)    Quoted prices for similar
            assets or liabilities in active markets.
(b)    Quoted prices for identical
            or similar assets or liabilities in markets that are not active.
(c)    Inputs other than quoted
            prices that are observable.
(d)    Inputs that are derived
            principally from or corroborated by observable market data by correlation or other means.
Level 3 –     Valuations derived from
            techniques in which the significant inputs are unobservable. Level 3 fair values reflect the Company's own assumptions about the assumptions that market participants would use in pricing the asset or liability (including assumptions about
            risk).
The Company has analyzed the valuation techniques and
            related inputs, evaluated its assets and liabilities reported at fair value, and determined an appropriate fair value hierarchy level based upon trading activity and the observability of market inputs. Based on the results of this evaluation
            and investment class analysis, each financial asset and liability was classified into Level 1, 2, or 3.
25 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
The following presents the assets and liabilities
            measured at fair value on a recurring basis and their corresponding level in the fair value hierarchy at December 31:
2022
Level 1
Level 2
(a)
Level 3
Total
Assets

                    at fair value
Separate
                    account assets
$
1,958,660
113,012
—
2,071,672
Total
                    assets reported at fair value
1,958,660
113,012
—
2,071,672
Liabilities

                    at fair value
Separate
                    account derivative liabilities
—
122,296
—
122,296
Total
                    liabilities reported at fair value
$
—
122,296
—
122,296
(a)
The Company does not have any assets or liabilities measured at net asset value (NAV) that are included in Level 2 within
                      this table.
2021
Level 1
Level 2
(a)
Level 3
Total
Assets

                    at fair value
Derivative

                    assets
$
—
700
—
700
Separate
                    account assets
2,330,868
244,061
—
2,574,929
Total
                    assets reported at fair value
2,330,868
244,761
—
2,575,629
Liabilities

                    at fair value
Separate
                    account derivative liabilities
—
36,644
108,584
—
108,584
Total
                    liabilities reported at fair value
$
—
108,584
—
108,584
(a)
The Company does not have any assets or liabilities measured at NAV that are included in Level 2 within this table.
The following is a discussion of the methodologies used to determine
            fair values for the assets and liabilities listed in the above table. These fair values represent an exit price (i.e., what a buyer in the marketplace would pay for an asset in a current sale or charge to transfer a liability). The Company has
            not made changes to valuation techniques in 2022.
(a)    Valuation of Derivatives
The fair value of OTC option assets and liabilities are
            derived internally, by calculating their expected discounted cash flows, using a set of calibrated, risk-neutral stochastic scenarios, including a market data monitor, a market data model generator, a stochastic scenario calibrator, and the
            actual asset pricing calculator, because active markets do not exist. Options that are internally priced and IRS, foreign currency swaps, TBA securities, and CDS are included in Level 2, because they use market observable inputs. The fair
            values of exchange-traded options and futures contracts are based on quoted market prices in active markets and are included in Level 1. The fair value of TRS is derived from external brokers and do not utilize market observable inputs and are
            included in Level 3.
Certain derivatives are priced using external
            third-party vendors. The Company has controls in place to monitor the valuations of these derivatives. TRS prices are obtained from the respective counterparties. These prices are also internally recalculated and reviewed for reasonableness at
            the position level on a monthly basis.
26 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
The Company does not have insight into the specific
            inputs used by third-party vendors; however, the key unobservable input would generally include the spread.
(b)    Valuation of Separate Account
            Assets and Separate Account Derivative Liabilities
Separate account assets and Separate account derivative
            liabilities, with the exception of certain bonds, cash, cash equivalents and investment income due and accrued, are carried at fair value, which is based on the fair value of the underlying assets which are described throughout this note. Funds
            in the separate accounts are primarily invested in variable investment option funds with the following investment types: bond, domestic equity, international equity, or specialty. Variable investment option funds are included in Level 1 because
            their fair value is based on quoted prices in active, observable markets. The remaining investments are categorized similar to the investments held by the Company in the general account (e.g., if the separate account invested in bonds,
            short-term investments and derivatives, that portion could be classified within Level 2 or Level 3).
Certain b
onds, cash and cash equivalents, along with related accrued investment income and receivables, carried at amortized cost within the separate
            account have an amortized cost of $2,275,854 and $1,872,374 as of December 31, 2022 and 2021, respectively, and a fair value of $1,956,071 and $1,899,039 as of December 31, 2022 and 2021, respectively. Separate account assets carried at
            amortized cost are included in the table in section 6(g) below.
(c)    Level 3 Rollforward
The following table provides a reconciliation of the
            beginning and ending balances for the Company's Level 3 assets and liabilities measured at fair value on a recurring basis:
January 1, 2022
Transfers into
Level 3
Transfers out
of Level 3
Total gains
and (losses)
included in
Net Income
Total gains
and (losses)
included in
Surplus
Purchases, issuances, sales and settlements
December 31, 2022
TRS asset
$
—
—
—
—
—
—
—
Total Level
                    3 assets
—
—
—
—
—
—
—
TRS
                    liability
—
—
—
(758)
—
758
—
Total
                    Level 3 liabilities
$
—
—
—
(758)
—
758
—
January 1, 2021
Transfers into
Level 3
Transfers out
of Level 3
Total gains
and (losses)
included in
Net Income
Total gains
and (losses)
included in
Surplus
Purchases, issuances, sales and settlements
December 31, 2021
TRS asset
$
—
—
—
555
—
(555)
—
Total
                    Level 3 assets
—
—
—
555
—
(555)
—
TRS
                    liability
—
—
—
(1,222)
—
1,222
—
Total
                    Level 3 liabilities
$
—
—
—
(1,222)
—
1,222
—
(d)    Transfers
The Company reviews its fair value hierarchy
            classifications quarterly. Transfers between levels occur when there are changes in the observability of inputs and market activity.
For the years ended December 31, 2022 and 2021, the Company did not have
            any transfers into or out of Level 3.
(e)    Sensitivity of Fair Value
            Measurements to Changes in Unobservable Inputs
Derivative assets and liabilities:
The TRS are priced by a third-party vendor and the Company internally reviews the valuation for reasonableness. The key unobservable input
            would generally include the spread. For a long position, a significant increase (decrease) in the spread used in the fair value of the TRS in isolation
27 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
could result in higher (lower) fair value. For a short
            position, a significant increase (decrease) in the spread used in the fair value of the TRS in isolation could result in lower (higher) fair value.
(f)    Estimates
The Company has been able to estimate the fair value of
            all financial assets and liabilities.
(g)    Aggregate Fair Value of Financial
            Instruments
The following tables present the carrying amounts and
            fair values of all financial instruments at December 31
(b)
:
2022
Fair Value
Aggregate Fair
                    Value
Admitted Assets/
Carrying Value
Level 1
Level 2
Level 3
Financial

                    Assets
Bonds
$
588,527
647,422
180,732
407,795
—
Cash
                    equivalents
26,558
26,558
26,558
—
—
Separate
                    account assets
4,027,744
4,347,526
1,982,157
2,045,587
—
Financial

                    Liabilities
Deposit-type

                    contracts
$
6,815
6,735
—
—
6,815
Other
                    investment contracts
384,701
434,151
—
—
384,701
Separate
                    account liabilities
4,027,744
4,347,526
1,982,157
2,045,587
—
(b)
The Company does not have any assets or liabilities measured at NAV that are included in Level 2 in this table. In
                      addition, the Company has no assets or liabilities for which it is not practicable to measure at fair value.
2021
Fair Value
Aggregate Fair
                    Value
Admitted Assets/
Carrying Value
Level 1
Level 2
Level 3
Financial

                    Assets
Bonds
$
616,482
580,114
78,459
538,023
—
Cash
                    equivalents
30,073
30,073
30,073
—
—
Derivative
                    assets
700
700
—
700
—
Separate
                    account assets
4,473,968
4,447,304
2,382,546
2,091,422
—
Financial

                    Liabilities
Deposit-type

                    contracts
$
7,249
6,122
—
—
7,249
Other
                    investment contracts
465,528
364,115
—
—
465,528
Separate
                    account liabilities
4,473,968
4,447,304
2,382,546
2,091,422
—
(b)
The Company does not have any assets or liabilities measured at NAV that are included in Level 2 in this table. In
                      addition, the Company has no assets or liabilities for which it is not practicable to measure at fair value.
A description of the Company's valuation techniques for financial
            instruments not reported at fair value and categorized within the fair value hierarchy is shown below:
Valuation of Bonds
The fair value of bonds is based on quoted market
            prices in active markets when available. Based on the market data, the securities are categorized into asset class, and based on the asset class of the security, appropriate pricing applications, models and related methodology, and standard
            inputs are utilized to determine what a buyer in the marketplace would pay for the security in a current sale. When quoted prices are not readily available or in an inactive market, standard inputs used in the valuation models, listed in
            approximate order of priority, include, but are not limited to, benchmark yields, reported trades, Municipal Securities Rulemaking Board reported trades, Nationally Recognized Municipal Securities Information Repository material event notices,
            broker-dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids,
28 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
offers, reference data, and industry and economic
            events. In some cases, including private placement securities and certain difficult-to-price securities, internal pricing models may be used that are based on market proxies. Internal pricing models based on market spread and U.S. Treasury
            rates are used to value private placement holdings. The primarily unobservable input used in the discounted cash flow models for states and political subdivisions, foreign government, and corporate bonds is a corporate index option adjusted
            spread (OAS). CDO and certain mortgage-backed securities are priced by a third-party vendor and the Company internally reviews the valuation for reasonableness. The Company does not have insight into the specific inputs; however, the key
            unobservable inputs would generally include default rates.
Generally, U.S. Treasury securities and exchange-traded
            stocks are included in Level 1. Most bonds for which prices are provided by third-party pricing sources are included in Level 2, because the inputs used are market observable. Bonds for which prices were obtained from broker quotes, certain
            bonds without active trading markets and private placement securities that are internally priced are included in Level 3.
Valuation of Cash Equivalents
Cash equivalents are comprised of money market mutual
            funds. The fair value of money market mutual funds is based on quoted market prices in active markets and included in Level 1.
Valuation of Deposit-Type Contracts
Fair values of deposit-type contracts are based on
            discounted cash flows using internal inputs, including the discount rate and consideration of the Company's own credit standing and a risk margin for actuarial inputs.
Valuation of Other Investment Contracts
Other investment contracts are included within Life
            policies and annuity contracts within the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. Other investment contracts include certain reserves related to deferred annuities and other payout annuities that may
            include life contingencies, but do not have significant mortality risk due to substantial periods certain. Fair values are based on discounted cash flows using internal inputs, including the discount rate and consideration of the Company's own
            credit standing and a risk margin for market inputs.
Valuation of Separate Account Liabilities
The fair value of separate account liabilities
            approximates the fair value of separate account assets.
(7)    Income Taxes
(a)
Deferred Tax
            Assets and Liabilities
The components of the net DTA or net DTL are as
            follows:
December 31, 2022
Ordinary
Capital
Total
Total gross deferred tax assets
$
27,191
814
28,005
Statutory valuation allowance adjustments
—
—
—
Adjusted gross deferred tax assets
27,191
814
28,005
Deferred tax assets nonadmitted
(17,639)
—
(17,639)
Subtotal net admitted deferred tax assets
9,552
814
10,366
Deferred tax liabilities
(1,927)
—
(1,927)
Net admitted deferred tax assets
$
7,625
814
8,439
29 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
December 31, 2021
Ordinary
Capital
Total
Total gross deferred tax assets
$
19,392
680
20,072
Statutory valuation allowance adjustments
—
—
—
Adjusted gross deferred tax assets
19,392
680
20,072
Deferred tax assets nonadmitted
(11,747)
—
(11,747)
Subtotal net admitted deferred tax assets
7,645
680
8,325
Deferred tax liabilities
(1,553)
—
(1,553)
Net admitted deferred tax assets
$
6,092
680
6,772
Change
Ordinary
Capital
Total
Total gross deferred tax assets
$
7,799
134
7,933
Statutory valuation allowance adjustments
—
—
—
Adjusted gross deferred tax assets
7,799
134
7,933
Deferred tax assets nonadmitted
(5,892)
—
(5,892)
Subtotal net admitted deferred tax assets
1,907
134
2,041
Deferred tax liabilities
(374)
—
(374)
Net admitted deferred tax assets
$
1,533
134
1,667
The amount of admitted adjusted gross DTAs allowed under each component of SSAP No. 101 –
Income Taxes
(SSAP No. 101) as of December 31 are as follows:
December 31, 2022
Ordinary
Capital
Total
Federal
                    income taxes paid in prior years recoverable through loss carrybacks (11.a)
$
—
718
718
Adjusted gross DTAs expected to be realized after application of the
                      threshold limitations
Lesser of 11.b.i or 11.b.ii:
Adjusted gross DTAs expected to be realized following the balance sheet
                      date (11.b.i.)
7,625
96
7,721
Adjusted gross DTAs allowed per limitation threshold (11.b.ii)
N/A
N/A
24,469
Lesser of 11.b.i or 11.b.ii
7,625
96
7,721
Adjusted gross DTAs offset by gross DTLs (11.c)
1,927
—
1,927
Deferred tax assets admitted
$
9,552
814
10,366
December 31, 2021
Ordinary
Capital
Total
Federal
                    income taxes paid in prior years recoverable through loss carrybacks (11.a)
$
—
680
680
Adjusted gross DTAs expected to be realized after application of the
                      threshold limitations
Lesser of 11.b.i or 11.b.ii:
Adjusted gross DTAs expected to be realized following the balance sheet
                      date (11.b.i.)
6,092
—
6,092
Adjusted gross DTAs allowed per limitation threshold (11.b.ii)
N/A
N/A
23,436
Lesser of 11.b.i or 11.b.ii
6,092
—
6,092
Adjusted gross DTAs offset by gross DTLs (11.c)
1,553
—
1,553
Deferred tax assets admitted
$
7,645
680
8,325
30 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
Change
Ordinary
Capital
Total
Federal income taxes
                    paid in prior years recoverable through loss carrybacks (11.a)
$
—
38
38
Adjusted gross DTAs expected to be realized after application of the
                      threshold limitations
Lesser of 11.b.i or 11.b.ii:
Adjusted gross DTAs expected to be realized following the balance sheet
                      date (11.b.i.)
1,533
96
1,629
Adjusted gross DTAs allowed per limitation threshold (11.b.ii)
N/A
N/A
1,033
Lesser of 11.b.i or 11.b.ii
1,533
96
1,629
Adjusted gross DTAs offset by gross DTLs (11.c)
374
—
374
Deferred tax assets admitted
$
1,907
134
2,041
Ratios used for threshold limitation as of December 31 are as follows:
December 31
2022
2021
Change
Ratio
                    percentage used to determine recovery period and threshold limitation amount
589
%
711
%
(122)
%
Amount of
                    adjusted capital and surplus used to determine recovery period threshold limitation
$
163,125
$
156,195
$
6,930
Impact of tax planning strategies on the determination
            of net admitted adjusted gross DTAs is as follows:
December 31, 2022
Ordinary
Capital
Total
Net admitted adjusted gross DTAs - (percentage of total net admitted
                      adjusted gross DTAs)
—
%
11.8
%
11.8
%
December 31, 2021
Ordinary
Capital
Total
Net admitted adjusted gross DTAs - (percentage of total net admitted
                      adjusted gross DTAs)
—
%
—
%
—
%
Change
Ordinary
Capital
Total
Net admitted adjusted gross DTAs - (percentage of total net admitted
                      adjusted gross DTAs)
—
%
11.8
%
11.8
%
The Company's tax planning strategies do not include the use of
            reinsurance.
(b)
Unrecognized
            Deferred Tax Liabilities
There are no temporary differences for which DTLs are
            not recognized.
(c)
Current and
            Deferred Income Taxes
The significant components of income taxes incurred
            (i.e. Current income tax expense) include:
31 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
December 31
2022
2021
2020
2022-2021 Change
2021-2010 Change
Current year
                    federal tax expense (benefit) - ordinary income
$
3,586
6,319
1,280
(2,733)
5,039
Current year
                    foreign tax expense (benefit) - ordinary income
—
—
—
—
—
Subtotal
3,586
6,319
1,280
(2,733)
5,039
Current year
                    tax expense (benefit) - net realized capital gains (losses)
(38)
19
652
(57)
(633)
Federal and
                    foreign income taxes incurred
$
3,548
6,338
1,932
(2,790)
4,406
DTAs and DTLs consist of the following major
            components:
December 31
Deferred tax assets
2022
2021
Change
Ordinary:
Deferred
                    acquisition costs
$
4,241
3,678
563
Policyholder

                    reserves
22,937
15,029
7,908
Expense
                    accruals
7
1
6
Investments
—
671
(671)
Nonadmitted

                    assets
6
13
(7)
Subtotal
27,191
19,392
7,799
Nonadmitted

                    ordinary deferred tax assets
(17,639)
(11,747)
(5,892)
Admitted
                    ordinary tax assets
9,552
7,645
1,907
—
Capital:
—
Impaired
                    assets
814
680
134
Subtotal
814
680
134
Admitted
                    capital deferred tax assets
814
680
134
Admitted
                    deferred tax assets
$
10,366
8,325
2,041
December 31
Deferred tax
                    liabilities
2022
2021
Change
Ordinary:
Investments
$
(989)
(305)
(684)
Policyholder

                    reserves
(931)
(1,242)
311
Deferred
                    and uncollected premiums
(7)
(6)
(1)
Subtotal
(1,927)
(1,553)
(374)
Capital:
Other
—
—
—
Subtotal
—
—
—
Deferred tax
                    liabilities
(1,927)
(1,553)
(374)
Net deferred
                    tax asset
$
8,439
6,772
1,667
The realization of the DTAs is dependent upon the Company's ability to
            generate sufficient taxable income in future periods. Based on historical results and the prospects for future current operations, management anticipates that it is more likely than not that future taxable income will be sufficient for the
            realization of the remaining DTAs.
The Coronavirus Aid, Relief, and Economic Security Act, (CARES Act of 2020) was enacted on March 27, 2020,
            thereby allowing net operating losses (NOLs) arising in tax years beginning after December 31, 2017, and before January 1, 2021 (e.g., NOLs incurred in 2018, 2019, or 2020 by a calendar-year taxpayer) to be carried back to each of the five tax
            years preceding the tax year of such loss.
32 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
The Inflation Reduction Act was enacted on August 16,
            2022. The Company has not determined as of December 31, 2022 if it will be subject to the Corporate Alternative Minimum Tax ("CAMT") in 2023. These financial statements do not include the estimated impact of the CAMT, because a reasonable
            estimate cannot be made.
The Company has determined that as of December 31, 2022, it will be an
            applicable corporation with respect to the CAMT in 2023.
In computing taxable income, life insurance companies
            are allowed a deduction attributable to their life insurance and accident and health reserves. The Tax Act of 2017 significantly changed the methodology by which these reserves are computed for tax purposes. The changes are effective for tax
            years beginning after 2017 and are subject to a transition rule that spreads the additional income tax liability over the subsequent eight years beginning in 2018.  Due to complexities in the new methodology and limited guidance from the
            Internal Revenue Service and U.S. Treasury, the Company has recorded provisional amounts for the deferred tax revaluation associated with the changes in the computation of life insurance tax reserves based on information available at December
            31, 2017.  Pursuant to Interpretation of the SAP Working Group 18-01:
Updated Tax Estimates under the Tax
            Cuts and Jobs Act
, provisional tax computations related to these amounts were reasonably estimated as of December 31, 2017 and
            have been adjusted based on guidance received from Internal Revenue Service and U.S. Treasury. Adjusted amounts are reflected in the Company's results of operations for the years ended December 31, 2022, 2021, and 2020.
The Change in net deferred income tax is comprised of
            the following (this analysis is exclusive of the nonadmitted DTAs as the Change in nonadmitted assets is reported separately from the Change in net deferred income tax in the Unassigned surplus section of the Statutory Statements of Capital and
            Surplus):
December 31
2022
2021
Change
Net deferred tax assets
$
26,078
18,519
7,559
Statutory valuation allowance adjustment
—
—
—
Net deferred tax assets after statutory valuation allowance
26,078
18,519
7,559
Tax effect of unrealized gains/(losses)
626
(671)
1,297
Change in net deferred income tax
$
8,856
33 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
(d)
Reconciliation
            of Federal Income Tax Rate to Actual Effective Rate
The provision for federal income taxes incurred is
            different from that which would be obtained by applying the statutory federal income tax rate to income before income taxes. The significant items causing this difference are as follows:
December 31, 2022
December 31, 2021
December 31, 2020
Federal income tax
                    rate
21.0
%
21.0
%
21.0
%
Amortization of IMR
(0.9)
0.5
1.2
Dividends received
                    deduction
1.0
(0.8)
(3.7)
Tax hedges
—
(0.2)
—
Tax hedge
                    reclassification
(10.3)
(17.5)
(31.5)
Change in deferred
                    tax on non-admitted assets
—
—
0.2
Prior period
                    adjustments
—
0.5
—
Change in deferred
                    tax impairments
0.3
—
(2.5)
Realized capital
                    gains tax
0.1
—
2.4
Effective
                    tax rate
11.2
%
3.5
%
(12.9)
%
Federal and foreign
                    income taxes incurred
(7.6)
%
8.8
%
4.7
%
Realized capital
                    gains tax
0.1
—
2.4
Change in net
                    deferred income taxes
18.7
(5.3)
(20)
Effective
                    tax rate
11.2
%
3.5
%
(12.9)
%
(e)
Carryforwards,
            Recoverable Taxes, and IRC Section 6603 Deposits
As of December 31, 2022,
there are no operating losses or tax credit carryforwards available for tax purposes.
There are no Federal income
            taxes available for recoupment in the event of future net losses.
There are no aggregate deposits admitted under
            Section 6603 of the IRC.
The Company had no tax contingencies computed in
            accordance with SSAP No. 101 as of December 31, 2022 and 2021.
The Company recognizes interest and penalties accrued
            related to unrecognized tax benefits in federal income tax expense. During the years ended December 31, 2022 and 2021, the Company recognized no such expenses.
(f)
Consolidated
            Federal Income Tax Return
The Company's federal income tax return is consolidated
            with AZOA. The method of allocation between the subsidiaries of AZOA is subject to written agreement, approved by the Allianz Life Board of Directors. Allocation is based upon separate return calculations with current credit for net losses.
            Intercompany tax balances are settled annually after the consolidated return is filed.
The Company is included in the consolidated group for
            which AZOA files a federal income tax return on behalf of all group members. As a member of the AZOA consolidated group, the Company is no longer subject to U.S. Federal and non-U.S. income tax examinations for years prior to 2016, though
            examinations of combined returns filed by AZOA, which include the Company, by certain U.S. state and local tax authorities, may still be conducted for 2008 and subsequent years. The Internal Revenue Service (IRS) examination of AZOA for the
            2016 and 2017 income tax returns has completed the exam phase and has been assigned to appeals for an issue unrelated to the Company. The IRS has also initiated an examination of AZOA's 2018-2020 income tax returns, which are expected to close
            by the end of 2023.
As of December 31, 2022, the companies included in the
            consolidated group for which AZOA files a federal income tax return are included below:
34 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
Members of Consolidated Tax Group
Allianz Life Insurance Company of New York
Allianz Life Insurance Company of Missouri
Allianz Life
                    Insurance Company of North America
Allianz Underwriters
                    Insurance Company
AZOA Services
                    Corporation
AGCS Marine Insurance
                    Company
Allianz Global Risks
                    US Insurance Company
William H. McGee
                    & Co., Inc.
Allianz Reinsurance
                    of America, Inc.
Allianz Reinsurance
                    Management Services, Inc.
Allianz Technology of
                    America, Inc.
Fireman's Fund
                    Insurance Company
Allianz Renewable
                    Energy Partners of America LLC
Fireman's Fund
                    Indemnity Corporation
Allianz Renewable
                    Energy Partners of America 2 LLC
National Surety
                    Corporation
PFP Holdings, LLC.
Chicago Insurance
                    Company
AZL PF Investments,
                    Inc.
Interstate Fire &
                    Casualty Company
Dresdner Kleinwort
                    Pfandbriefe Investments II, Inc.
American Automobile
                    Insurance Company
Allianz Fund
                    Investments, Inc.
The American
                    Insurance Company
Yorktown Financial
                    Companies, Inc.
Allianz Risk
                    Transfer, Inc.
Questar Capital
                    Corporation
Allianz Risk Transfer
                    (Bermuda), Ltd.
Questar Agency, Inc.
(8)    Accident and Health Claim Reserves
Accident and health claim reserves are based on
            estimates that are subject to uncertainty. Uncertainty regarding reserves of a given accident year is gradually reduced as new information emerges each succeeding year, thereby allowing more reliable reevaluations of such reserves. While
            management believes that reserves as of December 31, 2022, are appropriate, uncertainties in the reserving process could cause reserves to develop favorably or unfavorably in the near term as new or additional information emerges. Any
            adjustments to reserves are reflected in the operating results of the periods in which they are made. Movements in reserves could significantly impact the Company's future reported earnings.
Activity in the accident and health claim reserves is summarized as
            follows:
2022
2021
2020
Balance at January
                    1, net of reinsurance recoverables of $1,137, $1,079, and $1,214, respectively
$
8,074
7,834
7,302
Incurred
                    related to:
Current
                    year
5,182
2,613
3,428
Prior
                    years
(113)
(433)
(1,093)
Total
                    incurred
5,069
2,180
2,335
Paid related
                    to:
Current
                    year
361
154
153
Prior
                    years
2,124
1,786
1,650
Total paid
2,485
1,940
1,803
Balance
                    at December 31, net of reinsurance recoverables of $1,416, $1,137, and $1,079, respectively
$
10,658
8,074
7,834
Prior years incurred claim reserves changed as a result
            of re-estimation of unpaid claims and claim adjustment expenses, principally on the individual LTC line of business.
(9)    Reinsurance
The Company primarily enters into reinsurance
            agreements to manage risk resulting from its life, annuity, and accident and health businesses, as well as businesses the Company has chosen to exit. In the normal course of business, the Company seeks to limit its exposure to loss on any
            single insured and to recover a portion of benefits paid by ceding risks under excess coverage and coinsurance contracts.
35 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
The Company monitors the financial exposure and
            financial strength of the reinsurers on an ongoing basis. The Company attempts to mitigate risk by securing recoverable balances with various forms of collateral, including arranging trust accounts and letters of credit with certain reinsurers.
The effect of reinsurance on reserves and claims, for
            amounts recoverable from other insurers, was as follows:
For the years ended December 31,
Reduction in:
2022
2021
Aggregate
                    reserves
$
11,183
7,602
Policy
                    and contract claims
181
160
The Company assumed no business from other companies
            for the years ended December 31, 2022, 2021, and 2020. Life insurance, annuities, and accident and health business ceded to other companies are as follows:
Year ended
Direct amount
Ceded to other companies
Net amount
December 31, 2022
Life
                    insurance in force
$
1,837,298
1,651,432
185,866
Premiums:
Life
2,286
2,046
240
Annuities
653,562
—
653,562
Accident
                    and health
3,207
412
2,795
Total
                    premiums
$
659,055
2,458
656,597
December 31, 2021
Life
                    insurance in force
$
750,332
673,079
77,253
Premiums:
Life
1,171
1,035
136
Annuities
685,610
—
685,610
Accident
                    and health
3,245
431
2,814
Total
                    premiums
$
690,026
1,466
688,560
December 31, 2020
Life
                    insurance in force
$
328,472
293,458
35,014
Premiums:
Life
884
734
150
Annuities
425,561
—
425,561
Accident
                    and health
3,224
436
2,788
Total
                    premiums
$
429,669
1,170
428,499
There are no nonaffiliated reinsurers owned in excess
            of 10% or controlled, either directly or indirectly, by the Company or by a representative, officer, trustee, or director of the Company.
There are no policies issued by the Company that have
            been reinsured with a company chartered in a country other than the United States that is owned in excess of 10% or controlled directly or indirectly by an insured, a beneficiary, a creditor, or any other person not primarily engaged in the
            insurance business.
The Company does not have any reinsurance agreements in
            effect under which the reinsurer may unilaterally cancel any reinsurance for reasons other than for nonpayment of premium or other similar credits.
The Company does not have reinsurance agreements in
            effect such that the amount of losses paid or accrued through the statement date may result in a payment to the reinsurer of amounts that, in aggregate and allowing for offset of
36 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
mutual credits from other reinsurance agreements with
            the same reinsurer, exceed the total direct premium collected under the reinsured policies.
The Company did not write off any uncollectible
            recoverables during 2022, 2021, and 2020.
(10)
Annuity Actuarial Reserves and Deposit Liabilities by Withdrawal Characteristics
Information regarding the Company's annuity actuarial
            reserves and deposit liabilities by withdrawal characteristics at December 31 is as follows:
2022
Percentage of total
2021
Percentage of total
Subject to
                    discretionary withdrawal:
With
                    market value adjustment
$
82,552
2
%
$
102,531
2
%
At book
                    value less current surrender charges of 5% or more
1,897,657
41
1,687,975
36
At
                    market value
1,599,527
35
2,077,042
44
Total
                    with adjustment or at market value
3,579,736
78
3,867,548
82
At book
                    value without adjustment (minimal or no charge or adjustment)
873,856
19
742,702
16
Not
                    subject to discretionary withdrawal
114,825
3
59,964
2
Total
                    gross
4,568,417
100
%
4,670,214
100
%
Reinsurance ceded
—
—
Total
                    net
$
4,568,417
$
4,670,214
Amount included in
                    At book value less current charges of 5% or more that will move to At book value without adjustment in the year after the statement date:
$
317,896
$
271,907
Reconciliation of
                    total annuity actuarial reserves and deposit fund liabilities:
2022
2021
Life, Accident and
                    Health Annual Statement:
Annuities,
                    net (excluding supplementary contracts with life contingencies)
$
377,151
342,115
Supplemental

                    contracts with life contingencies, net
21,956
21,030
Deposit-type

                    contracts
6,735
6,122
Subtotal
405,842
369,267
Separate Accounts
                    Annual Statement:
Annuities,
                    net (excluding supplementary contracts with life contingencies)
4,162,122
4,300,405
Supplemental

                    contracts with life contingencies, net
453
542
Subtotal
4,162,575
4,300,947
Total
                    annuity actuarial reserves and deposit fund liabilities
$
4,568,417
4,670,214
37 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
(11)    Life Actuarial Reserves by Withdrawal Characteristics
Information regarding the Company's life actuarial
            reserves by withdrawal characteristics at December 31 is as follows:
2022
General Account
Account value
Cash value
Reserve
Subject to discretionary withdrawal, surrender values, or policy loans:
Universal

                    life
$
7
2
608
Indexed
                    life
1,816
1,721
1,794
Other
                    permanent cash value life insurance
244
244
244
Miscellaneous

                    reserves
—
—
22,000
Not
                    subject to discretionary withdrawal or no cash values:
Term
                    policies without cash value
XXX
XXX
2,253
Miscellaneous

                    reserves
XXX
XXX
38,185
Total
                    gross
2,067
1,967
65,084
Reinsurance
                    ceded
—
—
4,466
Total net
(1)
$
2,067
1,967
60,618
(1)
Balances reflected within this disclosure reside in the Company's general account; the Company's separate accounts do not
                      contain Life business.
2021
General Account
Account value
Cash value
Reserve
Subject to discretionary withdrawal, surrender values, or policy loans:
Universal

                    life
$
23
16
594
Indexed
                    life
1,825
1,710
1,780
Other
                    permanent cash value life insurance
303
303
303
Miscellaneous

                    reserves
—
—
7,000
Not
                    subject to discretionary withdrawal or no cash values:
Term
                    policies without cash value
XXX
XXX
806
Miscellaneous

                    reserves
XXX
XXX
16,282
Total
                    gross
2,151
2,029
26,765
Reinsurance
                    ceded
—
—
1,441
Total net
(1)
$
2,151
2,029
25,324
(1)
Balances reflected within this disclosure reside in the Company's general account; the Company's separate accounts do not
                      contain Life business.
The Company does not have any Life policies with either guarantees or
            nonguarantees in the separate account.
Reconciliation of total life actuarial
                    reserves:
2022
2021
Life,
                    Accident, and Health Annual Statement:
Life
                    insurance, net
$
3,112
$
2,997
Miscellaneous

                    reserves, net
57,506
22,327
Total
                    life actuarial reserves
$
60,618
$
25,324
38 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
(12)
Separate Accounts
The Company's separate accounts represent funds held
            for the benefit of contract holders entitled to payments under variable annuity contracts issued through the Company's separate accounts and underwritten by the Company.
As of December 31, 2022 and 2021, the Company's
            separate accounts are classified as nonguaranteed. Information regarding the Company's separate accounts for the years ended December 31 is as follows:
2022
2021
Premiums,
                    considerations, or deposits
$
597,807
643,502
Reserves:
Reserves
                    for accounts with assets at fair value
1,915,239
2,427,721
Reserves
                    for account, with assets at amortized cost
2,247,336
1,873,227
Total
                    reserves
4,162,575
4,300,948
By withdrawal
                    characteristics:
At fair
                    value
1,581,648
1,337,089
At book
                    value without MV adjustment and with current surrender charge of 5% or more
1,914,787
2,427,179
At book
                    value without MV adjustment and with current surrender charge of less than 5%
665,687
536,138
Subtotal
4,162,122
4,300,406
Not subject
                    to discretionary withdrawal
453
542
Total
$
4,162,575
4,300,948
As of December 31, 2022 and 2021, the Company's
            separate accounts included legally insulated assets and non-insulated assets attributed to the following products/transactions:
2022
2021
Product/transaction
Legally insulated
Not legally insulated
Legally insulated
Not legally insulated
Variable Annuities
$
1,621,829
—
2,108,248
—
Variable Annuities
                    (Non-Unitized Non-Insulated)
—
2,725,697
—
2,339,056
Total
$
1,621,829
2,725,697
2,108,248
2,339,056
The Company's separate account liabilities contain
            guaranteed benefits. The liabilities for guaranteed benefits are supported by the Company's general account assets. To compensate the general account for the risk taken, the separate account paid risk charges of $24,891, $25,752, $26,544,
            $37,538, and $36,073 during the past five years, respectively. The general account of the Company paid $7,256, $191, $929, $1,019, and $465 towards separate account guarantees during the past five years, respectively.
A reconciliation of net transfers to separate accounts
            for the years ended December 31 is included in the following table:
2022
2021
2020
Transfers as
                    reported in the Summary of Operations of the Separate Accounts Annual Statement:
Transfers

                    to separate accounts
$
597,807
643,502
401,472
Transfers

                    from separate accounts
(246,810)
(285,061)
(215,753)
Net
                    transfers to separate accounts
350,997
358,441
185,719
Reconciling
                    adjustments:
Other
                    adjustments
289
97
296
Transfers as
                    reported in the Statutory Statements of Operations
$
351,286
358,538
186,015
39 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
(13)     Related-Party Transactions
(a)     Real
            Estate
The Company subleases office space from an affiliate.
            In connection with this agreement, the Company incurred rent expense of $83, $82, and $76 in 2022, 2021, and 2020, respectively, which is included in General and administrative expenses on the Statutory Statements of Operations.
(b)     Service
            Fees
The Company incurred fees for administrative services
            provided by Allianz Life of $17,134, $14,025 and $10,372 in 2022, 2021, and 2020, respectively. The Company's liability for these expenses was $1,510 and $1,182 as of December 31, 2022 and 2021, respectively, and is included in Payable to
            parent and affiliates on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. In the normal course of business, the outstanding amount is settled in cash.
The Company incurred fees for investment advisory
            services provided by affiliated companies of $1,992, $1,486, and $1,128 in 2022, 2021, and 2020, respectively. The Company's liability for these charges was $232 and $143 as of December 31, 2022 and 2021, respectively, and is included in
            Payable to parent and affiliates on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. In the normal course of business, the outstanding amount is settled in cash.
The Company has an agreement with Allianz Investment
            Management, LLC which has subsequent agreements with its affiliates Pacific Investment Management Company (PIMCO), Oppenheimer Capital LLC (OpCap), and with certain other related parties whereby (1) specific investment options managed by PIMCO
            and OpCap are made available through the Company's separate accounts to holders of the Company's variable annuity products, and (2) the Company receives compensation for providing administrative and recordkeeping services relating to the
            investment options managed by PIMCO and OpCap. Income recognized by the Company from these affiliates for distribution and in-force related costs as a result of providing investment options to the contractholders was $575, $729, and $787 during
            2022, 2021, and 2020, respectively, which is included in Fees from separate accounts on the Statutory Statements of Operations. The related receivable for the fees was $45 and $57 at December 31, 2022 and 2021, respectively, which is included
            in Other assets on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.
The Company has incurred commission expense related to
            the distribution of variable annuity products from Allianz Life Financial Services, LLC, (ALFS), an affiliated company, in the amount of $44,736, $46,892, and $31,064 for the years ended December 31, 2022, 2021, and 2020, respectively.
The Company has an agreement with ALFS, whereby 12b-1
            fee receivables are assigned to the Company and Allianz Life. The Company has also agreed with Allianz Life to share in reimbursing ALFS for direct and indirect expenses incurred in performing services for the Company and Allianz Life. In the
            event that assigned receivables exceed expenses, ALFS records a loss on the transaction with the Company and a dividend-in-kind to Allianz Life. The Company recorded revenue from this agreement of $3,586, $4,261, and $3,936 for the years ended
            December 31, 2022, 2021, and 2020, respectively. The Company recorded expenses related to this agreement of $9,234, $8,528, and $6,027 for the years ended December 31, 2022, 2021, and 2020, respectively.
(c)
                Reinsurance
The Company cedes certain term life and universal life
            insurance policies to Allianz Life. At December 31, 2022 and 2021, the Company had no reinsurance recoverables and receivables from Allianz Life included in Other assets on the Statutory Statements of Admitted Assets, Liabilities, and Capital
            and Surplus.
40 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
(d)     Line of
            Credit Agreement
The Company has a line of credit agreement with Allianz
            Life to provide liquidity as needed. The Company's borrowing capacity under the agreement is limited to 5% of the general account admitted assets of the Company as of the preceding year end which amounts to $124,831. The Company's general
            account admitted assets include the book value portion of the non-insulated separate account assets. The interest rate for borrowing under the agreement is based on the Secured Overnight Financing Rate (SOFR). Borrowed amounts can be prepaid at
            any time with no prepayment penalty. Allianz Life provided $30,000 to the Company under the terms of this agreement on May 10, 2022 and the loan was paid in full on June 29, 2022. There was no interest accrued as of December 31, 2022 and 2021.
            There was no outstanding balance under the line of credit agreement as of December 31, 2022, and 2021.
(e)     Dividends
            and Capital Contributions
The Company did not pay dividends to Allianz Life
            during the years ended December 31, 2022, 2021 and 2020.
The Company received a capital contribution of $30,000
            from Allianz Life on March 11, 2022. The Company did not receive any capital contributions from Allianz Life during the years ended December 31, 2021 and 2020.
(14)    Employee Benefit Plans
The Company participates in the Allianz Asset
            Accumulation Plan (AAAP), a defined contribution plan sponsored by Allianz of America Corporation. Eligible employees are immediately enrolled in the AAAP on their first day of employment. The AAAP will accept participants' pretax, Roth 401(k),
            and/or after-tax contributions up to 80% of the participants' eligible compensation, although contributions remain subject to annual limitations set by the Internal Revenue Service. The Company matches up to a maximum of 7.5% of the employees'
            eligible compensation. Participants are 100% vested in the Company's matching contribution after three years of service.
The AAAP administration expenses and the trust fund,
            including trustee fees, investment manager fees, and audit fees, are payable from the trust fund but may, at the Company's discretion, be paid by the Company. All legal fees are paid by the Company. It is the Company's policy to fund the AAAP
            costs as incurred. The Company has expensed $419, $328, and $323 in 2022, 2021, and 2020, respectively, toward the AAAP matching contributions and administration expenses.
(15)
Statutory Capital and Surplus
Statutory accounting practices prescribed or permitted
            by the Company's state of domicile are directed toward insurer solvency and protection of policyholders. As such, the Company is required to meet minimum statutory capital and surplus requirements. The Company's statutory capital and surplus as
            of December 31, 2022 and 2021 were in compliance with these requirements. The maximum amount of dividends that can be paid by New York insurance companies to stockholders without prior approval of the Department is subject to restrictions
            relating to statutory earned surplus, also known as unassigned funds. Unassigned funds are determined in accordance with the accounting procedures and practices governing preparation of the statutory annual statement. In accordance with New
            York statutes, the Company may declare and pay from its Unassigned surplus cash dividends of not more than the lesser of 10% of its beginning-of-the year statutory surplus, or its net gain from operations before net realized capital gains of
            the insurer for the 12-month period ending the 31st day of the preceding year. Based on these restrictions, ordinary dividends of $0 can be paid in 2023 without prior approval of the Department. The Company paid no dividends in 2022, 2021, and
            2020.
Regulatory Risk-Based Capital
An insurance enterprise's state of domicile imposes
            minimum risk-based capital requirements that were developed by the NAIC. The formulas for determining the amount of risk-based capital specify various weighting factors that are applied to financial balances or various levels of activity based
            on the perceived degree of risk. Regulatory compliance is determined by a ratio of an enterprise's regulatory total adjusted capital to its authorized control level
41 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
risk-based capital, as defined by the NAIC. Companies
            below specific trigger points or ratios are classified within certain levels, each of which requires specified corrective action. This ratio for the Company significantly exceeds required minimum thresholds as of December 31, 2022 and 2021.
(16)    Direct Premiums Written by Third-Party Administrators
The Company has direct premiums written by third-party
            administrators (TPAs). The types of business written by the TPAs include life, accidental death and dismemberment, medical, disability, excess risk, and LTC. The authority granted to the TPAs includes claims payment, claims adjustment,
            underwriting, binding authority, and premium collection. Total premiums written by TPAs were $2,268, $2,008, and $883 for 2022, 2021, and 2020, respectively. For the years ended December 31, 2022, 2021, and 2020, there were no individual TPAs
            that wrote premiums that equaled at least 5% of the capital and surplus of the Company.
(17)
Reconciliation to the Annual Statement
The Company is required to file an Annual Statement
            with the Department. As of December 31, 2022 and 2021, there is no difference in admitted assets or liabilities between this report and the Annual Statement. As of December 31, 2022, 2021, and 2020, there is no difference in capital and surplus
            or net income between this report and the Annual Statement.
(18)    Commitments and Contingencies
The Company may become subject to claims and lawsuits
            that arise in the ordinary course of business.
The Company is contingently liable for possible future
            assessments under regulatory requirements pertaining to insolvencies and impairments of unaffiliated insurance companies. Provision has been made for assessments currently received and assessments anticipated for known insolvencies.
The financial services industry, variable and fixed
            annuities, life insurance, distribution companies, and broker-dealers, is subject to close scrutiny by regulators, legislators, and the media.
Federal and state regulators, such as state insurance
            departments, state securities departments, the SEC, the Financial Industry Regulatory Authority, the Internal Revenue Service, and other regulatory bodies regularly make inquiries and conduct examinations or investigations concerning various
            selling practices, including suitability reviews, product exchanges, sales to seniors, and compliance with, among other things, insurance and securities law. The Company is and may become subject to ongoing market conduct examinations and
            investigations by regulators, which may have a material adverse effect on the Company.
It can be expected that annuity and life product
            designs, management, and sales practices will be an ongoing source of regulatory scrutiny and enforcement actions, litigation, and rulemaking.
These matters could result in legal precedents and new
            industry-wide legislation, rules, and regulations that could significantly affect the financial services industry, including life insurance and annuity companies. It is unclear at this time whether any such litigation or regulatory actions will
            have a material adverse effect on the Company in the future.
(19)    Subsequent Events
The Company has evaluated subsequent events through
            April 7, 2023, which is the date the Statutory Financial Statements were available to be issued. No material subsequent events have occurred since December 31, 2022 that require adjustment to the Statutory Financial Statements.
In March 2023, the Company received a capital
            contribution of $30,000 from Allianz Life.
42 of 42
For Service or
                    More Information
The Form N-4 Statement of Additional Information (SAI) contains additional information about the
                    Contract, Allianz Life of New York, and the Separate Account. The SAI is dated the same date as this prospectus, and the SAI is incorporated by reference into this prospectus. This prospectus and the SAI can be found online at
allianzlife.com/new-york/prospectuses
. You can also request this information at no cost by
                    calling (800) 624-0197, or by sending an email request to contact.us@allianzlife.com.
The SEC maintains a website
sec.gov
. The prospectus, the Form N-4 SAI and other information about the Contract are available on the EDGAR database on the SEC's
                    website. Copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: publicinfo@sec.gov.
Our Service Center
If you need customer service (for Contract changes, information on Contract Values, requesting a
                    withdrawal or transfer, changing your allocation instructions, etc.) please contact our Service Center at
(800) 624-0197
.
To send applications and/or a check for an additional Purchase Payment, or for general customer service,
                    please mail to the appropriate address as follows:
To send applications and/or a check for an additional Purchase
                                  Payment,
or for general customer service, please mail to the appropriate address as follows:
REGULAR MAIL
Allianz Life Insurance Company of New York
P.O. Box 59060
Minneapolis MN 55459-0060
OVERNIGHT, CERTIFIED, OR REGISTERED MAIL
Allianz Life Insurance Company of New York
5701 Golden Hills Drive
Minneapolis MN 55416-1297
Checks sent to the wrong address for applications
                                or additional Purchase Payments are forwarded to the 5701
Golden Hills Drive address listed above, which may
                                delay processing.
For general customer service by email, please use this address: contact.us@allianzlife.com. To send
                    information by email, please use this address: variableannuity@send.allianzlife.com. To send information over the web, please upload to your account on our website at:
allianzlife.com/new-york
. If you have questions about whether you can submit certain information by email or over the web, please
                    contact our Service Center.
Until May 1, 2024, all dealers that effect transactions in these securities may be required to deliver
                    a prospectus.
EDGAR Contract ID No.: C000232732
Allianz Index Advantage
®
New York Variable Annuity Prospectus – May 1, 2023
Back Cover
PART II - INFORMATION NOT REQUIRED IN PROSPECTUS
ITEM 13. OTHER EXPENSES OF ISSUANCE AND DISTRIBUTION.
Securities and Exchange Commission Registration Fee
$ 25,760
--------------
Estimated Printing and Filing Costs:
$ 30,000
--------------
Estimated Accounting Fees:
$ 60,000
---------------
Estimated Legal Fees:
$175,000
---------------
Estimated Miscellaneous Fees:
N/A
---------------
ITEM 14. INDEMNIFICATION OF OFFICERS AND DIRECTORS.
The Bylaws of the Insurance Company provide:
ARTICLE X
INDEMNIFICATION OF OFFICERS, DIRECTORS AND EMPLOYEES
To the fullest extent allowed under New York law, the Company shall indemnify officers, directors and employees of the Company. No director shall be
      personally liable to the Company or any of its shareholders for damages for any breach of duty as a director; provided, however, that the foregoing provision shall not eliminate or limit (i) the liability of a director if a judgment or other final
      adjudication adverse to him or her establishes that his or her acts or omissions were in bad faith or involved intentional misconduct or were acts or omissions (a) which he or she knew or reasonably should have known violated the New York Insurance
      Law or (b) which violated a specific standard of care imposed on directors directly, and not by reference, by a provision of the New York Insurance Law (or any regulations promulgated thereunder) or (c) which constituted a knowing violation of any
      other law, or establishes that he or she personally gained in fact a financial profit or other advantage to which he or she was not legally entitled; or (ii) the liability of a director for any act or omission prior to adoption of these Restated
      Bylaws by the shareholders of the Company.
Insofar as indemnification for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of
      the Insurance Company pursuant to the foregoing provisions, or otherwise, the Insurance Company has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and,
      is therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the Insurance Company of expenses incurred or paid by a director, officer or controlling person of the Insurance Company in
      the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the Insurance Company will, unless in the opinion of its counsel the matter has
      been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.
ITEM 15. RECENT SALES OF UNREGISTERED SECURITIES.
NOT APPLICABLE.
ITEM 16. EXHIBITS AND FINANCIAL STATEMENT SCHEDULES.
(a)
Exhibits.
1.
(a)
Principal Underwriter Agreement
by and between Preferred Life Insurance Company of New
                York on behalf of Preferred Life Variable Account C and NALAC Financial Plans, Inc. incorporated by reference as exhibit EX-99.B3.a. from Registrant's Pre-Effective Amendment No. 1 to Form N-4 (File Nos. 333-19699 and 811-05716)
                electronically filed on May 12, 1997. Preferred Life Insurance Company of New York is the predecessor to Allianz Life Insurance Company of New York. Preferred Life Variable Account C is the predecessor to Allianz Life of NY Variable Account
                C. NALAC Financial Plans, Inc., is the predecessor to USAllianz Investor Services, LLC, which is the predecessor to Allianz Life Financial Services, LLC.
(b)
Broker-Dealer Agreement
(amended
                and restated) between Allianz Life Insurance Company of New York and Allianz Life Financial Services, LLC, dated June 1, 2010 incorporated by reference as exhibit EX- 99.B3.b. from Registrant's Post-Effective Amendment No. 21 to Form N-4
                (File Nos. 333-143195 and 811-05716) electronically filed on October 21, 2010.
(c)
The current specimen of the
selling agreement
between Allianz Life
                Financial Services, LLC, the principal underwriter for the Contracts, and retail brokers which offer and sell the Contracts to the public is incorporated by reference as exhibit EX-99.B3.b from the Initial Registration Statement to Allianz
                Life Variable Account B's Form N-4 (File Nos.333-134267 and 811-05618) electronically filed on May 19, 2006. The underwriter has executed versions of the agreement with approximately 2,100 retail brokers.
2.
Not applicable
3.
(a)
Articles of Incorporation, as amended and
                  restated March 9, 2011
, of Allianz Life Insurance Company of New York, filed on December 19, 2013 as Exhibit 3(a) to Registrant's initial registration on Form S-1 (File No. 333-192948), is incorporated by reference.
(b)
Bylaws,

        as amended and restated March 9, 2011
, of Allianz Life Insurance Company of New York, filed on December 19, 2013 as Exhibit 3(b) to Registrant's initial registration on Form S-1 (File No. 333-192948), is incorporated by reference.
4. (a)
Individual Flexible Purchase Payment Variable and Index-Linked Deferred Annuity Contract, L40538-NY03
,
filed on August
      1, 2022, as Exhibit 4(a) to Registrant's Pre-Effective Amendment No. 2 on Form S-1 (File No. 333-259863), is incorporated by reference.
(b)
Contract Schedule Pages, S40875-NY02 and S40876-NY03
, filed on August 1, 2022, as Exhibit 4(b) to Registrant's Pre-Effective Amendment No. 2 on Form S-1
      (File No. 333-259863), is incorporated by reference.
(c)
Application for Individual Annuity Contract, F40538-NY
, as revised 5/2014, filed on December 8, 2014, as Exhibit 4(c) to Registrant's Post-Effective Amendment No.
      1 on Form S-1, is incorporated by reference.
Application for Ind. Var. Annuity Contract – F40538-02-NY (5/2015)
, filed on April 20, 2015, as
      Exhibit 4(c) to Registrant's Post-Effective Amendment No. 2 on Form S-1 (File No. 333-192948), is incorporated by reference.
(d)
Allocation Options Schedule page S40876-NY01 (5/2015)
, filed on April 20, 2015, as Exhibit 4(f) to Registrant's Post-Effective Amendment No. 2 on
      Form S-1 (File No. 333-192948), is incorporated by reference.
(e)
Variable and Index-Linked Annuity Contract L40538-NY01 (5/2015)
, filed on April 20, 2015, as Exhibit 4(g) to Registrant's Post-Effective
      Amendment No. 2 on Form S-1 (File No. 333-192948), is incorporated by reference.
5.*
Opinion re Legality
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 December 19, 2013 as Exhibit
      24(b) to Registrant's initial registration on Form S-1 (File No. 333-192948), is incorporated by reference.
(b)
Board Resolution, effective March 6, 2014
, of the Board of Directors of Allianz Life Insurance Company of New York, filed on May 2, 2014 as Exhibit 24(d)
      to Registrant's Pre-Effective Amendment No. 1 on Form S-1 (File No. 333-192948), is incorporated by reference.
(c)*
Powers of Attorney
25. Not applicable
26. Not applicable
99. (a)
Appendix A Exhibit – Daily Adjustment Calculation
– INY-024b (08/22), filed on August 1, 2022, as Exhibit 24(c) to Registrant's Initial Registration Statement on
      Form S-1 (File No. 333-259863), is incorporated by reference.
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 New York are included in Part I of this registration
      statement.
ITEM 17. UNDERTAKINGS.
The undersigned registrant hereby undertakes pursuant to Item 512 of Regulation S-K:
(1)
To file, during any period in which offers or sales are being made, a post-effective amendment to this registration statement:
(i)
To include any prospectus required by section 10(a)(3) of the Securities Act of 1933;
(ii)
To reflect in the prospectus any facts or events arising after the effective date of the registration statement (or the most recent post-effective amendment
                thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the registration statement. Notwithstanding the foregoing, any increase or decrease in volume of securities offered (if the
                total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum offering range may be reflected in the form of prospectus filed with the Commission
                pursuant to Rule 424(b) if, in the aggregate, the changes in volume and price represent no more than a 20% change in the maximum aggregate offering price set forth in the "Calculation of Registration Fee" table in the effective registration
                statement.
(iii)
To include any material information with respect to the plan of distribution not previously disclosed in the registration statement or any material change to
                such information in the registration statement.
(2)
That, for the purpose of determining any liability under the Securities Act of 1933, each such post-effective amendment shall be deemed to be a new
                registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof.
(3)
To remove from registration by means of a post-effective amendment any of the securities being registered which remain unsold at the termination of the offering.
(4)
That, for the purpose of determining liability under the Securities Act of 1933 to any purchaser, each prospectus filed pursuant to Rule 424(b) as part of a
                registration statement relating to an offering, other than registration statements relying on Rule 430B or other than prospectuses filed in reliance on Rule 430A, shall be deemed to be part of and included in the registration statement as
                of the date it is first used after effectiveness. Provided, however, that no statement made in a registration statement or prospectus that is part of the registration statement or made in a document incorporated or deemed incorporated by
                reference into the registration statement or prospectus that is part of the registration statement will, as to a purchaser with a time of contract of sale prior to such first use, supersede or modify any statement that was made in the
                registration statement or prospectus that was part of the registration statement or made in any such document immediately prior to such date of first use.
(5)
That, for the purpose of determining liability of the registrant under the Securities Act of 1933 to any purchaser in the initial distribution of the securities:
                The undersigned registrant undertakes that in a primary offering of securities of the undersigned registrant pursuant to this registration statement, regardless of the underwriting method used to sell the securities to the purchaser, if the
                securities are offered or sold to such purchaser by means of any of the following communications, the undersigned registrant will be a seller to the purchaser and will be considered to offer or sell such securities to such purchaser:
(i)
Any preliminary prospectus or prospectus of the undersigned registrant relating to the offering required to be filed pursuant to Rule 424;
(ii)
Any free writing prospectus relating to the offering prepared by or on behalf of the undersigned registrant or used or referred to by the undersigned
                registrant;
(iii)
The portion of any other free writing prospectus relating to the offering containing material information about the undersigned registrant or its securities
                provided by or on behalf of the undersigned registrant; and
(iv)
Any other communication that is an offer in the offering made by the undersigned registrant to the purchaser.
(6)
Insofar as indemnification for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of the
                Insurance Company pursuant to the foregoing provisions, or otherwise, the Insurance Company has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act
                and, is therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the Insurance Company of expenses incurred or paid by a director, officer or controlling person of the
                Insurance Company in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the Insurance Company will, unless in the opinion
                of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the
                final adjudication of such issue.
SIGNATURES
Pursuant to the requirements of the Securities Act of 1933, the registrant has duly caused this registration
      statement to be signed on its behalf by the undersigned, thereunto duly authorized, in the City of Minneapolis, State of Minnesota, on this 17th day of April, 2023.
ALLIANZ LIFE
      INSURANCE COMPANY OF NEW YORK
By:
/s/ Jasmine M. Jirele*
Jasmine M. Jirele
Chief Executive Officer
Pursuant to the requirements of the Securities Act of 1933, this registration statement has been signed by the
      following persons in the capacities indicated on April 17, 2023.
Signature
Title
Jasmine M. Jirele
*
Director, Board Chair and Chief Executive Officer
Eric Thomes
*
Director and President
Gary A. Smith
*
Director
Martha Clark Goss
*
Director
Ronald M. Clark
*
Director
William E. Gaumond
*
Director, Chief Financial Officer and Treasurer
(principal accounting officer)
Jesse J. Kling*
Director, Vice President and Appointed Actuary
Lorraine Lods
*
Director
Kevin E. Walker
*
Director
*
By Power of Attorney, filed as Exhibit 24(c) to this Registration Statement.
BY
: /s/ Erik T. Nelson
Erik T. Nelson
Associate General Counsel, Senior Counsel
FORM S-1
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
INDEX TO EXHIBITS
Exhibit
Description of Exhibit
5
Opinion of Counsel
23(a)
Consent of Independent Registered Public Accounting Firm
24(c)
Powers of Attorney
107
Filing Fee Table